Loan Rates
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All rates are APR (Annual Percentage Rate)
***Sample Repayment Term Below
Collateral Loan Rates
Effective Date: Thursday, May 15th, 2025
| Term | APR | % Down | Minimum Loan Amount |
|---|---|---|---|
| 0-48 Months | 5.99%-16% | 0% | $0.00 |
| 49-60 Months | 6.24%-16.25% | 0% | $0.00 |
| 61-66 Months | 6.24%-16.50% | 0% | $0.00 |
| 67-72 Months | 6.49%-17% | 0% | $0.00 |
| 73-84 Months | 6.74%-18% | 0% | $0.00 |
New/Used Boat-RV | |||
| 0-48 Months | 7.75%-16.50% | 0% | $0.00 |
| 49-72 Months | 8.75%-17.50% | 0% | Max $20k |
| 73-120 Months | 9.49%-17.99% | 0% | Min $25K |
| 121-180 Months | 10.50%-17.99% | 0% | Min $30K |
For Auto loans with 125+ mileage and scores less than 640 add 1% | |||
Auto Loans Greater Than 10 Years Old | |||
| 0-48 Months | 8.25% - 17.50% | 0% | $0.00 |
| 49-60 Months | 8.5% - 18.00% | 0% | $0.00 |
Repayment Schedule
- New or Current Year: 36-84 Months
- Used Vehicles 2022 - 2017: 36-72 Months
- Used Vehicles 2016 - 2014: 36-60 Months
- Used Vehicles 2013 & Older: 36 Months
Prices cannot exceed NADA Value (with the exception of the purchase of GAP Insurance)
No annual Fee VISA Cards:
- VISA Classic: 12.00% APR
- Student VISA 12.00% APR
- VISA Gold: 9.60% APR
- VISA Platinum: 7.80% APR
Personal Loans
- Open-ended loans 8.25%-18.00% APR - 42 Months
- Closed-ended loans 8.25%-18.00% APR - 60 Months
** Signature Loan and VISA limit combinations cannot exceed $25,000.00
***Sample Repayment Term: 48 monthly payments of $27.83 per $1,000 borrowed.
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