Loan Rates


 

IMPORTANT NOTICE:  All rates are subject to change without notice.  Rates are based on individual credit history.  APR stands for Annual Percentage Rate.
Individual credit score will determine rate and loan amount.

 

To apply for a loan, use our online loan application or contact us today!

 

Sallie Mae® Smart Option Student Loans®:

Pay for college the smart way with Sallie Mae® Smart Option Student Loans® for up to 100% of your tuition costs.  Apply now!

 

New Auto Rates as Low as:

100% Financing (Max: $40,000)

Loan Term A+ Score A Score B Score Model Years
Up to 60 months as low as: 2.79% APR 3.04% APR 3.29% APR 2017-2016 — 100% Financing
61 to 72 months as low as: 3.04% APR 3.54% APR 3.79% APR 2017-2016 — 100% Financing
73 to 84 months as low as: 3.54% APR 4.04% APR 4.29% APR 2017-2016 — 100% Financing

 

Used Auto Rates as Low as:

Finance 90-100% of NADA Retail Price (Max $40,000)

Loan Term A+ Score A Score B Score Model Years
Up to 60 months as low as: 2.79% APR 3.04% APR 3.29% APR 2016-2015 — 100% Financing
61 to 72 months as low as: 3.04% APR 3.54% APR 3.79% APR 2016-2015 — 100% Financing
Up to 60 months as low as: 3.29% APR 3.54% APR 3.79% APR 2014-2012 — 90% Financing
Up to 48 months as low as: 3.29% APR 3.54% APR 3.79% APR 2011-2010 — 90% Financing

 

Older Auto Rates as Low as:

Rebuilt titles: 60% of NADA book.  Bill of sale will be needed from dealer/seller and the amount will not exceed the bill of sale amount.  For classic auto appraisal, call 419-476-7793.

Loan Term A+ Score A Score B Score Model Years
Up to 48 months as low as: 4.25% APR 4.50% APR 4.75% APR Model years 2009 & older — 90% Financing

 

Motorcycle rates and terms same as auto loans.

 

Recreational Vehicles and Motor Homes:

Loan amount only for purchase price.  Loans greater than 60M must be $25k+.  Extended warranties not financed.  (Max $40,000 with 10% down)

Type Loan Term A+ Score A Score B Score
New Up to 60 months as low as: 3.99% APR 4.24% APR 4.49% APR
New Up to 120 months as low as: 5.49% APR 5.74% APR 5.99% APR
Used Up to 60 months as low as: 4.99% APR 5.24% APR 5.49% APR
Used Up to 120 months as low as: 6.49% APR 6.74% APR 6.99% APR

 

Boats:

Marine survey needed for used boats over 18 ft.  (Max $50,000 with 10% down)

Type Loan Term A+ Score A Score B Score
New Up to 84 months as low as:
- or -
Up to 120 months if over $20,000:
5.25% APR 5.50% APR 5.75% APR
Used Up to 84 months as low as: 5.50% APR 5.75% APR 6.00% APR

 

Mobile Homes:

85% of NADA or appraisal value with 10% down

Type Loan Term Amount Rate
New 60 months under $20,000 as low as 6.99% APR
New 120 months $20,000 up to $40,000 as low as 7.25% APR
Used 60 months under $20,000 as low as 7.50% APR
Used 120 months $20,000 up to $40,000 as low as 8.75% APR

 

Other Loan Types:

ODLOC 3% higher than signature rate $300.00
Signature up to 12M: 10.25% APR (A+ Score) 10.50% APR (A Score) 10.75% APR (B Score) Up to $1,000
  up to 18M: 10.25% APR (A+ Score) 10.50% APR (A Score) 10.75% APR (B Score) $1,001 - $1,500
  up to 24M: 10.25% APR (A+ Score) 10.50% APR (A Score) 10.75% APR (B Score) $1,501 - $2,000
  up to 36M: 11.00% APR (A+ Score) 11.25% APR (A Score) 11.50% APR (B Score) $2,001 - $4,000
  up to 48M: 11.00% APR (A+ Score) 11.25% APR (A Score) 11.50% APR (B Score) $4,001 - $6,000
  up to 60M: 11.00% APR (A+ Score) 11.25% APR (A Score) 11.50% APR (B Score) $6,001 - $10,000
  up to 60M: 11.00% APR (A+ Score) 11.25% APR (A Score) 11.50% APR (B Score) $10,001 - $15,000
Open End Mimimum payment of $100 or 3% of loan balance 10.25% APR (A+ Score) 10.50% APR (A Score) 10.75% APR (B Score) Up to $15,000 per member unsecured amount
Tuition up to 12M: 8.49% APR (A+ Score) 8.74% APR (A Score) 8.99% APR (B Score) Checks made out to school
Personal Computer up to 24M: 8.49% APR (A+ Score) 8.74% APR (A Score) 8.99% APR (B Score) Limit $2,500
Home Improvement up to 36M: 8.49% APR (A+ Score) 8.74% APR (A Score) 8.99% APR (B Score) Limit $7,000
Vacation up to 12M: 3.99% APR (A+ Score) 4.24% APR (A Score) 4.49% APR (B Score) Limit $4,000
School Loan up to 12M: 8.49% APR (A+ Score) 8.74% APR (A Score) 8.99% APR (B Score) Limit $1,000
Debt Consolidation up to 36M: 14.50% APR (A+ Score) 14.75% APR (A Score) 15.00% APR (B Score) Limit $10,000
Loan Builder / Rebuilder up to 12M: 14.50% APR (A+ Score) 14.75% APR (A Score) 15.00% APR (B Score) Limit $1,000
Christmas up to 12M: 3.99% APR (A+ Score) 4.24% APR (A Score) 4.49% APR (B Score) Limit $3,000 (though 1/31/2017)
Shared Secured up to 36M: 3.75% APR 36-60M: 4.25% APR
Share Certificate Secured Rate 3.00% APR higher than rate on certificate. Term of loan must equal term of certificate.
Variable Home Equity Rate Prime rate

 

Notes:

If longer term than indicated add 1%.
Subtract .50% (from B score) credit score 740 and higher.
Subtract .25% (from B score) for credit score 700-739.
Current Rate   (B score)    650-699
Add +2% (to B score) for credit score between  600-649
Add +4 % (to B score) for credit score between 550-599
Add 6% (to B score) for credit score 549 and below