Can I exit the loan before the contract period ends? June 29, 2020 04:46 Updated Yes. Please refer to etika’s FAQ for more information on the loan contract and how you can do this. Related articles What personal information is the third-party collecting and how long are they holding that information? Does this agreement with etika affect my credit rating? What happens if I miss an Active Benefits target? Which Apple Watches are eligible for this offer? What is the interest rate?