To apply for a loan online using our 128-bit encryption for your privacy, please look at our Loan Application.
Click here to launch our Loan Calculator.
Risk-Based Lending Rates (Effective Date: 03/01/09) |
|||
Subaccount Description |
Approx Term (in months) |
Annual Percentage Rate |
|
New Car & Truck - 80% financing |
48 |
6.00% - 10.00% |
|
New Car & Truck - 80% financing |
60 |
7.00% - 11.00% |
|
New Car & Truck - 80% financing |
72 |
8.00% - 12.00% |
|
Used Auto 1-2 yrs old 90% of NADA retail |
60 |
9.00% - 13.00% |
|
Used Auto 3-4 yrs old 90% of NADA retail |
54 |
9.00% - 13.00% |
|
Used Auto 5-6 yrs old 85% of NADA retail |
48 |
9.00% - 13.00% |
|
Used Auto 7-9 yrs old 85% of NADA retail |
36 |
10.00% - 14.00% |
|
Used Auto >9yrs old 85% of NADA retail |
60 |
10.00% - 14.00% |
|
Program Vehicles |
same as used |
8.00% - 13.00% |
|
Boat, RV, Motorcycle (new - 80% of MSRP) |
same as autos |
New 12.00%-16.00% |
|
(Used - NADA loan values) |
same as autos |
Used 12.00%-16.00% |
|
Share-secured |
60 |
3.00% |
|
Signature |
60 |
10.50% - 15.00% |
|
Debt Consolidation |
60 |
11.50% - 16.00% |
|
VISA Classic Credit Card |
Minimum payment: Greater of 3% of balance or $20 |
9.90% |
|
APR is the Annual Percentage Rate. All rates are accurate as of the posted effective date but are subject to change. All loans are subject to credit approval.
Risk Based: The following disclosure applies to all Subaccounts except the Line of credit. The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate for which you qualify.
Preferred Rate: You will receive a discount of 0.25% on your Annual Percentage Rate (APR) if you make your payments automatically. If you discontinue making your payments automatically, your APR may be increased to the current rate.
Late Charges: If your payment is 10 days late, you will be charged a late fee of 10% of the payment due.
Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.