Loan Rates
Rates effective . Rates subject to change without notice.
Scoring System
| Score |
Rating |
Rate |
| A+ |
730 - Up |
Base Rate |
| A |
729 - 680 |
Base Rate +.5 |
| B |
679 - 640 |
Base Rate +1 |
| C |
639 - 600 |
Base Rate +3 |
| D |
599 - 550 |
Base Rate +6 |
| E |
549 - Below |
Base Rate +9 |
Quick Rates: New Auto | Used Auto | Boats & RVs | Unsecured
New & Used ATV's, Snowmobiles, Tractors, Stereo, Computers, Yard Equipment, ETC., go under the category of Used Auto based on year of the item.
Maximum rate for secured loan is 18.00%
Maximum rate for unsecured loan is 21.00%
All loans <$2,001.00 FOR ONE YEAR or less will be at 21.00%
| Loan Type |
Term in Months |
A+ |
A |
B |
C |
D |
E |
Base Rate
APR* |
Base Rate +.5
APR* |
Base Rate +1
APR* |
Base Rate +3
APR* |
Base Rate +6
APR* |
Base Rate +9
APR* |
New Auto & Motorcycles
2021-2020 |
To 24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
| 60 |
|
|
|
|
|
|
| 72** |
|
|
|
|
|
|
| 84*** |
|
|
|
|
|
|
*APR is the Annual Percentage Rate.
** Over $20,000 Financed.
*** Over $30,000 Financed.
|
|
| Loan Type |
Term in Months |
A+ |
A |
B |
C |
D |
E |
Base Rate
APR* |
Base Rate +.5
APR* |
Base Rate +1
APR* |
Base Rate +3
APR* |
Base Rate +6
APR* |
Base Rate +9
APR* |
Used Auto
2021-2015 |
To 24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
| 60 |
|
|
|
|
|
|
| 72** |
|
|
|
|
|
|
| 84*** |
|
|
|
|
|
|
| |
Used Auto
2014-2009 |
To 24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
| 60 |
|
|
|
|
|
|
| |
Used Auto
Before 2009 |
To 24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
*APR is the Annual Percentage Rate.
** Over $20,000 Financed.
*** Over $30,000 Financed on 2014 or Newer.
|
|
| Loan Type |
Term in Months |
A+ |
A |
B |
C |
D |
E |
Base Rate
APR* |
Base Rate +.5
APR* |
Base Rate +1
APR* |
Base Rate +3
APR* |
Base Rate +6
APR* |
Base Rate +9
APR* |
| New Boats & RVs |
36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
| 60 |
|
|
|
|
|
|
| 72 |
|
|
|
|
|
|
| 84 |
|
|
|
|
|
|
| 85-120** |
|
|
|
|
|
|
| 121-180*** |
|
|
|
|
|
|
| |
| Used Boats & RVs |
24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
| 60 |
|
|
|
|
|
|
| 72 |
|
|
|
|
|
|
| 84 |
|
|
|
|
|
|
| 85-120*** |
|
|
|
|
|
|
*APR is the Annual Percentage Rate.
** Over $15,000 Financed.
*** Over $50,000 Financed.
|
|
| Loan Type |
Term in Months |
A+ |
A |
B |
C |
D |
E |
Base Rate
APR* |
Base Rate +.5
APR* |
Base Rate +1
APR* |
Base Rate +3
APR* |
Base Rate +6
APR* |
Base Rate +9
APR* |
| Unsecured |
To 12 |
|
|
|
|
|
|
| 24 |
|
|
|
|
|
|
| 36 |
|
|
|
|
|
|
| 48 |
|
|
|
|
|
|
|
*APR is the Annual Percentage Rate.
|
|
Reduce Your Rate
Save even more when you establish a checking account and direct deposit with us!
- Reduce your rate by ½% with direct deposit and
automatic loan payments.
- Reduce your rate by ¼% when your loan payment
is deducted automatically.
- The rate reduction does not apply to any open-end loans,
(e.g. Kwik-Cash, HELOC’s, ect.)
October 21, 2021