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Loan Rates

Effective Since March 1, 2018

General Criteria
Platinum
Tier A
Tier B
Tier C
Tier D
Tier E
Aggregate Loan Limit
$75,000
$50,000
$40,000
$30,000
$25,000
$25,000
Empirical/Beacon Score
730 & Above
680 - 729
640 - 679
600 -639
550 - 599
549 & Below
Debit Ratio
(Gross Income)
50% Or Less
45% Or Less
40% Or Less
35% Or Less
30% Or Less
25% Or Less
Debit Ratio
(Net Income)
70% Or Less
65% Or Less
60% Or Less
55% Or Less
50% Or Less
45% Or Less
 


New Vehicles
Platinum
Tier A
Tier B
Tier C
Tier D
Tier E
Loan Value
MSRP
MSRP
MSRP
MSRP
MSRP
MSRP
Down Payment
0%
5%
10%
15%
20%
20%
Maximum
$50,000
$40,000
$30,000
$25,000
$20,000
$20,000
RATES
APR*
APR*
APR*
APR*
APR*
APR*
36 Months
2.90%
3.50%
4.00%
9.00%
12.00%
18.00%
48 Months
2.90%
3.50%
4.00%
9.25%
14.00%
18.00%
60 Months
2.90%
3.50%
4.00%
9.25%
15.00%
18.00%
72 Months
2.90%
3.50%
4.50%
10.00%
N/A
N/A


Used Vehicles
Platinum
Tier A
Tier B
Tier C
Tier D
Tier E
Loan Value
NADA
Retail Value
NADA
Retail Value
NADA
Retail Value
NADA
Retail Value
NADA
Retail Value
NADA
Retail Value
Down Payment
0%
5%
10%
15%
20%
20%
Maximum
$40,000
$35,000
$25,000
$20,000
$15,000
$15,000
RATES
APR*
APR*
APR*
APR*
APR*
APR*
36 Months
2.90%
3.50%
4.00%
9.00%
13.00%
18.00%
48 Months
2.90%
3.50%
4.00%
9.25%
14.00%
18.00%
60 Months
2.90%
3.50%
4.00%
9.50%
15.00%
18.00%


Shared Secured
Platinum
Tier A
Tier B
Tier C
Tier D
Tier E
Maximum Amount
100% Of Available Shares
100% Of Available Shares
100% Of Available Shares
100% Of Available Shares
100% Of Available Shares
100% Of Available Shares
RATES
APR*
APR*
APR*
APR*
APR*
APR*
1 - 6 Years
Dividend +200 BP
Dividend +200 BP
Dividend +200 BP
Dividend +200 BP
Dividend +200 BP
Dividend +200 BP


VISA CLASSIC
Details
Classic Card Rate (.039726)
11.99% APR*
Grace Period
25 Days
Annual Fee
None
Minimum Finance Charge
$0.50
Transaction Fee For Purchases
None
Late Payment Fee (Over 10 Or More Days Late)
$25.00
Cash Advance
11.99% APR*
VISA GOLD
Details
Gold Card Rate (.034246)
9.99% APR*
Grace Period
25 Days
Annual Fee
None
Minimum Finance Charge
$0.50
Transaction Fee For Purchases
None
Late Payment Fee (Over 10 Or More Days Late)
$25.00
Cash Advance
9.99% APR*

         
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