Interest Rates

¹APR = Annual Percentage Rate. Rates are subject to change without notice, are based on creditworthiness, and may require a down payment. Maximum rate of 18%. An additional 0.25% discount is available with a down payment of at least 10%. Some restrictions apply. Vehicles with mileage in excess of 150,000 may be subject to a rate adjustment of 1%. ²Teen Auto Loans available up to 6 years. Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications. ³Certified appraisal required. ⁴Inspection may be required. ⁵APR = Annual Percentage Rate. Based on Prime Rate of 8.25% as of 5.25.23 plus a 0% to 5% margin and applicable LTV = rate, subject to creditworthiness. Floor rates range from 4% to 8%. Annual cap is 2%, and lifetime cap is 6%, above the fully indexed rate at the time of origination. Minimum loan amount is $25,000. Sample payment based on a $25,000 loan for 10 years at 8.25% APR would be $306.72. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply. ⁶Not available on non-owner occupied dwellings. ⁷APR = Annual Percentage Rate. ⁸Interest must be paid annually, if not on a repayment plan. Maximum loan amount based on creditworthiness and ability to repay. $1,000 minimum loan amount. Maximum rate of 18%. ⁹Teen Credit Builder Loans only – ages 16 to 17. ¹⁰APR = Annual Percentage Rate. ¹¹Standard introductory period is six billing cycles. All rates based on creditworthiness. Variable rates change based on the Prime Rate plus a margin. Limits $1,000 to $50,000, $500 for Teens. $10 or 3% transaction fee on Balance Transfers and Cash Advances, whichever is greater. 1% foreign transaction fee. $25 penalty fee for late or returned payments. ¹²Teen must be at least 16 years old to apply. Parent required on account and must meet credit qualifications.