Loan Products
| New & Used Autos, Classics & Collectibles | ||||||
| Effective Date: Thursday, April 18th, 2024 | ||||||
| New & Used Autos APR*=Annual Percentage Rate | ||||||
| Amount | Term (Months) | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Under $25K | Up to 66 | 6.00% | 7.25% | 10.75% | 16.00% | 17.00% |
| Over $25K | 67 - 78 | 6.50% | 7.50% | 11.75% | 17.25% | 17.75% |
| Over $35K | 79 - 84 Max | 7.00% | 7.75% | 13.75% | 18.00% | 18.00% |
| Enterprise Car Sale | |||||
| Effective Date: Thursday, April 18th, 2024 | |||||
| Upon used vehicle purchase from Enterprise Car Sales. Max term for special financing up to 78 months. APR*=Annual Percentage Rate. | |||||
| Term | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Up to 78 months | 6.50% | 7.50% | 11.75% | 17.25% | 17.75% |
| New & Used Boats, Travel Trailers, Motor Homes, Motorcycles, ATV's, Personal Watercraft, Farm Equip | ||||||
| New & Used Recreational - Boats, Travel Trailers, Motor Homes, Motorcycles, ATV's, Personal Watercraft, Farm Equipment. APR*=Annual Percentage Rate. | ||||||
| Amount | Term (Months) | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Under $35K | Up to 48 | 7.75% | 8.25% | 12.75% | 16.00% | 18.00% |
| Under $35K | 49 - 66 | 8.25% | 8.75% | 13.75% | 17.00% | 18.00% |
| Under $35K | 67 - 72 | 8.75% | 9.75% | 14.75% | 18.00% | 18.00% |
| Over $35K | 73 - 84 | 9.00% | 10.00% | 15.75% | 18.00% | 18.00% |
| Maximum Secured LTV Chart | ||
| Vehicles one ton or less. | ||
| Credit Ratings | New Vehicles | Used Vehicles/Refinancing |
| A | Up to 120% of new vehicle, plus TT&L and Loan products | Up to 120% NADA Clean Retail, plus TT&L and Loan products |
| B | Up to 115% of new vehicle, plus TT&L and Loan products | Up to 115% NADA Clean Retail, plus TT&L and Loan products |
| C | Up to 110% of new vehicle, plus TT&L and Loan products | Up to 110% NADA Clean Retail, plus TT&L and Loan products |
| D | Up to 95% of new vehicle, plus TT&L and Loan products | Up to 110% of NADA Clean Trade, plus TT&L and Loan products |
| E | Up to 85%-90% of new vehicle, plus TT&L and Loan products | Up to 100% of Nada Clean Trade Value, plus TT&L and Loan products |
| A & B | REFINANCING ONLY: 120% NADA MSRP | REFINANCING ONLY: 120% NADA Retail |
| A & B are allowed 110% NADA Classic Car value or Certified Appraisal amount, plus TT&L on Classic and Collectibles | ||
| Vehicles Greater Than One Ton-Maximum LTV, Terms & Interest Rates for New and Used | ||||
| APR*=Annual Percentage Rate. | ||||
| Credit Ratings | LTV New or Used | Maximum Term | APR* New | APR* Used |
| A | 95%-100% | 60-72 Months | 9.00% | 12% |
| B | 90%-95% | 48-66 Months | 11.00% | 14% |
| C | 85%-90% | 48-60 Months | 13.00% | 16% |
| D & E | 70%-80% | 36-48 Months | 17.00% | 18% |
| Signature Loans | ||||||
| Minimum payment & term: 12 months, per $1K, up to 60 months. APR*=Annual Percentage Rate. | ||||||
| Amount | Term | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Under $10K | Up to 12 | 10.75% | 12.75% | 14.25% | 16.00% | 18.00% |
| Under $10K | 13 - 24 | 11.75% | 13.75% | 15.25% | 17.00% | 18.00% |
| Under $10K | 25 - 36 | 12.75% | 14.75% | 16.25% | 18.00% | 18.00% |
| Under $10K | 37 - 48 | 13.75% | 15.75% | 17.25% | 18.00% | 18.00% |
| Over $10K | 49 - 60 | 14.75% | 16.75% | N/A | N/A | N/A |
| Emergency Loans (PAL) | |||
| Effective Date: Thursday, April 18th, 2024 | |||
| $500.00-$2,000.00. No Credit Check. $25.00 Loan Fee. Minimum 1 Year Membership. APR*=Annual Percentage Rate. | |||
| PAL Type | Amount | Term | No Credit Check |
| E-1000 | $500-$1K | Up to 6 months | 28.00% APR* |
| E-2000 | Up to $2K | Up to 12 months | 28.00% APR* |
| Share & CD Secured Loans | |
| Effective Date: Thursday, April 18th, 2024 | |
| Loans Secured by Share Account or Certificate of Deposit. APR*=Annual Percentage Rate. | |
| Amount | No Credit Check |
| Available Amount | 5.00% APR* |
| MasterCard Credit Cards | |||||
| We offer several types of MasterCard Credit Cards. APR*=Annual Percentage Rate. | |||||
| Interest Rates and Interest Charges | Platinum MasterCard | Gold MasterCard | Classic MasterCard | Share-Secured MasterCard | Starter MasterCard |
| APR* for Purchases | 9.90% | 10.90% | 13.90% | 12.90% | 16.90% |
| APR* for Balance Transfers | 9.90% | 10.90% | 13.90% | 12.90% | 16.90% |
| APR* for Cash Advances | 9.90% | 10.90% | 13.90% | 12.90% | 16.90% |
| How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date. | |||||
| For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. | |||||
| MasterCard Credit Card Fees | |
| Fee Type | Fees |
| Annual Fee | None |
| Foreign Transaction | Up to 1% of each transaction in U.S. dollars. |
| Late Payment | 5% of the payment, up to $27 |
| Returned Payment | Up to $27 |
| Over Credit Limit | None |
| How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases). | |
| See MasterCard credit card application for additional fees & information, or to apply for a credit card. | |
