 December 31st, 2022. Not all applicants qualify for a loan or rate savings. Actual offer terms, including APR, are determined at the time of your application based on credit worthiness. Value of the field alone term and other factors. Welcome to Naughty Yotta Island. This season on Naughty Yotta Island. When we were new, they spoiled me. They even gave me a phone. But then, it's like I didn't exist.