Personal & Auto Rates 


Loan Type Condition Term (In Months) APR** - Start as low as
New Auto No down payment required for "A+", "A" & "B" credit risk category if within LTV guidelines. "C", "D" & "F" borrowers may need to make a down payment 36 2.75%
48 3.25%
60 3.75%
72 4.25%
84* 4.75%
Loan Type Condition Term (In Months) APR** - Start as low as
Used Auto No down payment required for "A+", "A" & "B" credit risk category if within LTV guidelines. "C", "D" & "F" borrowers may need to make a down payment 36 3.00%
48 3.50%
60 4.00%
72 4.50%
84* 5.00%
Loan Type Condition Term (In Months) APR** - Start as low as
50% Share Minimum $500.00 12 4.75%
24 5.25%
36 5.75%
48 6.25%
60 6.75%
Loan Type Condition Term (In Months) APR** - Start as low as
Personal Up to $25,000.00 12 6.75%
24 7.25%
36 7.75%
48 8.25%
60* 8.75%
72* 9.25%
Loan Type Condition Term (In Months) APR** - Start as low as
Bill Consolidation Up to $25,000.00 12 8.75%
24 9.25%
36 9.75%
48* 10.25%
60* 10.75%

*Rate and Terms may not be available for all credit risk categories.

**The Annual Percentage Rate (APR) you receive will be based on your individual creditworthiness. Please ask us about the rate for which you qualify.

PREPAYMENTS: If you make prepayments, we may advance the due date on your payment. The due date may be advanced to match the number of full payment amounts received. If you want us to apply payment amounts above your regularly scheduled amount due to principal and do not want the due date advanced, you will need to inform us in writing.

The amount you may be eligible to borrow will depend on your individual creditworthiness. Additional downpayment may be required for auto loans.

The payment will be determined at the time of the loan closing, however, your minimum payment will never be less than $25.00 monthly.


New Auto Loan Payment Examples

Payment Examples of "A+" Risk Tier New Auto loans per $1,000.00 borrowed:

  • On a 36-month term at 2.75% APR: 35 monthly payments of $28.97 & 1 final monthly payment of about $28.91.

  • On a 48-month term at 3.25% APR: 47 monthly payments of $22.25 & 1 final monthly payment of about $21.83.

  • On a 60-month term at 3.75% APR: 59 monthly payments of $18.31 & 1 final monthly payment of about $17.76.

  • On a 72-month term at 4.25% APR: 71 monthly payments of $15.76 & 1 final monthly payment of about $15.58.

  • On a 84-month term at 4.75% APR: 83 monthly payments of $14.02 & 1 final monthly payment of about $13.52.


Used Auto Loan Payment Examples

Payment Examples of "A+" Risk Tier Used Auto loans per $1,000.00 borrowed:

  • On a 36-month term at 3.00% APR: 35 monthly payments of $29.08 & 1 final monthly payment of about $28.97.

  • On a 48-month term at 3.50% APR: 47 monthly payments of $22.36 & 1 final monthly payment of about $22.01.

  • On a 60-month term at 4.00% APR: 59 monthly payments of $18.42 & 1 final monthly payment of about $18.03.

  • On a 72-month term at 4.50% APR: 71 monthly payments of $15.88 & 1 final monthly payment of about $15.20.

  • On a 84-month term at 5.00% APR: 83 monthly payments of $14.14 & 1 final monthly payment of about $13.45.