Earn loyalty tiers that progressively lower your APR and increase your borrowing limit — the more you repay on time, the better your future rates.
Each successful loan repayment unlocks a new tier and a lower APR on your next loan.
| Tier | Approx. APR | APR Reduction | Max Loan | Who Qualifies |
|---|---|---|---|---|
| 🥉 Bronze | Up to 699% | — | $1,000 | All new borrowers |
| 🥈 Silver | ~599% | -100 pts | $1,500+ | 1st successful repayment |
| 🥇 Gold | ~499% | -200 pts | $2,500+ | Multiple successful loans |
| 💎 Platinum | ~399% | -300 pts | $3,500+ | Sustained repayment history |
| 🏆 Titanium | ~299% | -400 pts | $4,500 | Highest loyalty tier |
Submit your first application and receive loan funds. You'll start at the Bronze tier.
Pay every installment by your due date. Consistent on-time payment is the key to tier advancement.
Complete the repayment of your current loan. There's no prepayment penalty — pay early and save.
Your next loan offer will reflect your new VIP tier and a lower APR, plus access to higher loan amounts.
Each tier unlocks specific benefits — lower APRs, higher loan limits, and priority processing. Here's exactly what changes at each level.
Your first Plain Green loan
All first-time Plain Green borrowers start at the Bronze tier. Loan amounts typically range from $200 to $1,000 for first-time customers, and the APR is at the top of the range. Bronze is essentially your entry point — the goal is to demonstrate on-time payment history to unlock the next tier.
Unlocked after 1 fully repaid loan
After completing your first loan with on-time payments, you're promoted to Silver — a full 100-point APR reduction. Loan amounts may also increase (typically up to $1,500). Silver is where the loyalty program starts paying off financially: on a $1,000 loan repaid over 12 months, the Silver rate saves approximately $200 vs Bronze.
Unlocked after 2 fully repaid loans
Gold represents a substantial 200-point reduction from Bronze — meaningful savings. Loan amounts typically increase further at this level (up to around $2,500 in most states). Borrowers reaching Gold often report noticeable monthly-payment reductions on new loans, making the same $1,000 emergency significantly more affordable.
Unlocked after 3 fully repaid loans
Platinum brings your effective APR into a range that's still high but competitive with some cash advance apps' effective annualized cost. Loan amounts at Platinum are typically the maximum offered — up to $4,500 for qualifying borrowers. Priority customer support and faster funding are also common perks at this level.
Unlocked after 4 fully repaid loans
Titanium represents the deepest APR reduction available — 500 points below the starting Bronze rate. At 199% APR, Plain Green becomes comparable in cost to some other tribal or subprime alternatives with no loyalty program. Titanium borrowers also typically receive the maximum loan amounts and highest priority. Reaching Titanium requires consistent on-time payment across all four prior loans, so the tier represents genuine borrower trust earned over time.
Here's the actual dollar impact of climbing the VIP ladder — using a consistent $1,000 loan repaid over 12 months as the comparison.
| Tier | APR | Est. Monthly Payment | Total Repaid | Savings vs Bronze |
|---|---|---|---|---|
| 🥉 Bronze | 699% | ~$225 | ~$2,700 | — |
| 🥈 Silver | 599% | ~$208 | ~$2,496 | ~$204 saved |
| 🥇 Gold | 499% | ~$189 | ~$2,268 | ~$432 saved |
| 💎 Platinum | 399% | ~$168 | ~$2,016 | ~$684 saved |
| 👑 Titanium | 199% | ~$126 | ~$1,512 | ~$1,188 saved |
Actual savings depend on your specific APR, loan amount, term, and state. These figures are estimates based on the tier's baseline APR.
Apply for your first Plain Green loan and begin the journey toward lower rates and higher limits.
Apply Now