Loan Rates
Rates effective January 23, 2019. 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
2019-2018 |
To 24 |
3.54% |
4.04% |
4.54% |
6.54% |
9.54% |
12.54% |
| 36 |
3.64% |
4.14% |
4.64% |
6.64% |
9.64% |
12.64% |
| 48 |
3.74% |
4.24% |
4.74% |
6.74% |
9.74% |
12.74% |
| 60 |
3.84% |
4.34% |
4.84% |
6.84% |
9.84% |
12.84% |
| 72** |
4.74% |
5.24% |
5.74% |
7.74% |
10.74% |
13.74% |
| 84*** |
5.24% |
5.74% |
6.24% |
8.24% |
11.24% |
14.24% |
*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
2019-2013 |
To 24 |
4.54% |
5.04% |
5.54% |
7.54% |
10.54% |
13.54% |
| 36 |
4.54% |
5.04% |
5.54% |
7.54% |
10.54% |
13.54% |
| 48 |
4.64% |
5.14% |
5.64% |
7.64% |
10.64% |
13.64% |
| 60 |
4.74% |
5.24% |
5.74% |
7.74% |
10.74% |
13.74% |
| 72** |
4.99% |
5.49% |
5.99% |
7.99% |
10.99% |
13.99% |
| 84*** |
5.74% |
6.24% |
6.74% |
8.74% |
11.74% |
14.74% |
| |
Used Auto
2012-2009 |
To 24 |
5.24% |
5.74% |
6.24% |
8.24% |
11.24% |
14.24% |
| 36 |
5.74% |
6.24% |
6.74% |
8.74% |
11.74% |
14.74% |
| 48 |
6.24% |
6.74% |
8.24% |
9.24% |
12.24% |
15.24% |
| 60 |
7.24% |
7.74% |
8.24% |
10.24% |
13.24% |
16.24% |
| |
Used Auto
Before 2009 |
To 24 |
7.74% |
8.24% |
8.74% |
10.74% |
13.74% |
16.74% |
| 36 |
8.74% |
9.24% |
9.74% |
11.74% |
14.74% |
17.74% |
*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 |
4.49% |
4.99% |
5.49% |
7.49% |
10.49% |
13.49% |
| 48 |
4.49% |
4.99% |
5.49% |
7.49% |
10.49% |
13.49% |
| 60 |
4.74% |
5.24% |
5.74% |
7.74% |
10.74% |
13.74% |
| 72 |
4.99% |
5.49% |
5.99% |
7.99% |
10.99% |
13.99% |
| 84 |
5.49% |
5.99% |
6.49% |
8.49% |
11.49% |
14.49% |
| 85-120** |
7.24% |
7.74% |
8.24% |
10.24% |
13.24% |
16.24% |
| 121-180*** |
7.74% |
8.24% |
8.74% |
10.74% |
13.74% |
16.74% |
| |
| Used Boats & RVs |
24 |
5.24% |
5.74% |
6.24% |
8.24% |
11.24% |
14.24% |
| 36 |
5.49% |
5.99% |
6.49% |
8.49% |
11.49% |
14.49% |
| 48 |
5.74% |
6.24% |
6.74% |
8.74% |
11.74% |
14.74% |
| 60 |
6.24% |
6.74% |
7.24% |
9.24% |
12.24% |
15.24% |
| 72 |
6.49% |
6.99% |
7.49% |
9.49% |
12.49% |
15.49% |
| 84 |
6.99% |
7.49% |
7.99% |
9.99% |
12.99% |
15.99% |
| 85-120*** |
7.99% |
8.49% |
8.99% |
10.99% |
13.99% |
16.99% |
*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 |
9.99% |
10.49% |
10.99% |
12.99% |
15.99% |
18.99% |
| 24 |
10.99% |
11.49% |
11.99% |
13.99% |
16.99% |
19.99% |
| 36 |
11.99% |
12.49% |
12.99% |
14.99% |
17.99% |
20.99% |
| 48 |
12.99% |
13.49% |
13.99% |
15.99% |
18.99% |
21.00% |
|
*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.)
January 23, 2020