Again, if you applying for a loan with one service for the 1st time, the interest rate will be 0%, but here service has a very important requirement for the borrower, one must repay the loan in time before the due date. If not, the borrower will have an interest rate near 11,9% per month with fines and penalties or being not responsible to the lender; If you are applying for a loan with Digi do not the 1st time, it is like a repeated loan the interest rate will be 11,9% per month or not exceed 1,5% per day.