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 Does this agreement with etika affect my credit rating? Which Apple Watch is eligible for this offer? What personal information is the third-party collecting and how long are they holding that information? What happens if I miss an Active Benefits target? What is the interest rate?