All sensitive data transmitted with encryption technology. Sonata Loans helps find you online payday loans, installment loans and lines of credit for those in need of emergency funds who may also have bad credit. Annual Percentage Rate (APR) is a yearly interest rate charged when you take out a loan. APR (Annual Percentage Rate) Range From 5,99% to 35,99% maximum APR for qualified consumers. Repayment terms from 6 months to 36 months. These numbers will be set by you will be notified of the final number before accepting the loan terms.