 |
Current Loan Rates
Effective Date: 02/13/08
| GENERAL
LOANS |
Approx.
Term |
Daily
Periodic Rate |
APR* |
Gold Loan Up To $10,000.00
(To Qualify A+ 730 Above) |
Up To 36 Mos
|
0.023972%
|
8.75%
|
Up To 60 Mos
|
0.025342%
|
9.25%
|
| Share
Or CD Secured |
Up To 36 Mos
|
-
|
2.00% Above Current Share Rate
|
Up To 60 Mos
|
-
|
3.50% Above Current Share Rate
|
Signature
Credit Limit Up To $10,000.00 |
Up To 24 Mos
|
0.025342% - 0.036301%
|
9.25% - 13.25%
|
Up To 36 Mos
|
0.028082% - 0.039041%
|
10.25% - 14.25%
|
Up To 48 Mos
|
0.029452% - 0.040410%
|
10.75% -14.75%
|
|
| VEHICLE
LOANS |
Approx.
Term |
Daily
Periodic Rate |
APR* |
New & Used
Vehicles
(90% Financing; Model Yrs.08,07,06) |
Up To 36 Mos
|
0.012328% - 0.023287%
|
4.50% - 8.50%
|
Up To 48 Mos
|
0.013013% - 0.023972%
|
4.75% - 8.75%
|
Up To 60 Mos
|
0.014383% - 0.025342%
|
5.25% - 9.25%
|
Up To 72 Mos
|
0.015753% - 0.026712%
|
5.75% - 9.75%
|
Used Vehicles
(90% Financing, Model Yrs. 05,04,03) |
Up To 36 Mos
|
0.015753% - 0.026712%
|
5.75% - 9.75%
|
Up To 48 Mos
|
0.016438% - 0.027397%
|
6.00% - 10.00%
|
Up To 60 Mos
|
0.017123% - 0.028082%
|
6.25% - 10.25%
|
Used Vehicles
(90% Financing, Model Yrs. 02,01) |
Up To 48 Mos
|
0.019863% - 0.030821%
|
7.25% – 11.25%
|
Used
Vehicles & All
Recreation Vehicles
(90% Financing; Model Yrs. 00 & Older) |
Up To 36 Mos
|
0.021232% - 0.032191%
|
7.75% - 11.75%
|
|
RISK BASED:
The Annual Percentage Rate (APR) received will be within the range disclosed above and is based on individual credit worthiness. Please ask for the initial rate that you qualify for.
LATE CHARGES:
If your installment payment is more than 15 days late, you may be charged a late fee of $5 per payment due.
CERTIFICATE SECURED:
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate of Deposit offered as security (Index) plus 2.00% - 3.50% (margin). The Certificate must be renewed until the loan is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The current ANNUAL PERCENTAGE RATE and Daily Periodic Rate will be disclosed on the voucher at the time of the advance.
COLLECTION COST:
You agree to pay all cost of collecting the amount you owe under this Agreement including court costs and reasonable attorney fees.
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