Loan Rates
Effective April 12, 2022
Auto & Truck Collateralized Loans
Model Year |
Terms |
As Low As - APR* |
2019 to 2022 |
up to 72 mos |
5.00% |
2017 to 2018 |
up to 60 mos |
5.50% |
2007 to 2016 |
up to 48 mos |
5.50% |
Over 15 years old add 1.00% to base rate
Over 150,000 miles add 1.00% to the base rate
Co-Signers add 1.00% to the base rate
Longer Term add 1.00% to the base rate
|
|
|
Signature Loans
Amount |
Terms |
APR* |
$500.00 to $1,000.00 |
12 mos |
18.00% |
$1,001.00 to $1,500.00 |
12 mos |
15.00% |
$1,501.00 to $3,000.00 |
24 mos |
14.00% |
Elite Signature Loans
Amount |
Terms |
APR* |
$3,001 to $6,000.00 |
60 mos |
14.00% |
Christmas Loans
Amount |
Terms |
APR* |
$1,200.00 to $1,999.00 |
12 mos |
12.00% |
$2,000.00 to $2,500.00 |
20 mos |
12.00% |
Share Secured Loans
Amount |
Terms |
APR* |
Shares/$500.00-$1,000.00 |
24 mos |
6.50% |
Shares/$1,001.00 and up |
36 mos |
6.25% |
Shares/$1,001.00 and up |
42-72 mos |
6.50% |
Super Savings/$500.00-$3,000.00 |
12-48 mos |
7.00% |
Super Savings/$500.00 and up |
over 48 mos - 120 mos |
7.25% |
Credit Card Debt Consolidation Loans
Amount |
Terms |
APR* |
Up to $11,000.00 |
up to 84 mos |
12.00% |
Credit Score Discounts & Add ons
Score |
|
750 & up |
minus 2.00% off base rate |
690-749 |
minus 1.50% off base rate |
660-689 |
minus 1.00% off base rate |
630-659 |
minus .50% off base rate |
600-629 |
2.00% added to base rate. |
550-599 |
2.00% added to base rate. |
549 & below |
Automatic 18.00% |
.25% off base rate for Auto Pay w/direct deposit |
.25% off base rate for borrowing less than 80% of the retail value |
Wild Card Discounts
(Can Not be combined with other discounts)
2.00% off for Veterans & Military
2.00% off for Seniors 62 & older
2.00% off for Students
Motorcycle/Boats/RV's & 5th Wheels Collateralized Loans
Collateral listed below is assessed the same base rate as an auto plus the rate below.
|
Terms |
Boats |
+2.00% up to 36 months / +1.00% for longer term |
New Motorcycle |
+.50% up to 36 months / +1.00% for longer term |
Used Motorcycle |
+1.50% up to 36 months/+ 1.00% longer term |
RV's and 5th Wheels (New) |
+2.00% up to 15 years max |
RV's and 5th Wheels (Old) |
+2.00% /Term determined case by case |
The loan rates are reviewed on a Quarterly basis and subject to change at that time.
Application fee: $10.00
Processing Fee: 2% of the loan up to a maximum of $100.00
Late Charge: A $10.00 late fee will be charged for each payment not made in full within 10 days after due date.
We loan 10% over retail/WAC
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