| New & Used Autos, Classics & Collectibles |
| Effective Date: Monday, February 17th, 2020 |
| New & Used Autos Year 2013 to 2020.
2012 and older same as signature rate.
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 |
4.00% |
4.50% |
10.25% |
15.25% |
16.25% |
| Over $25K |
67 - 78 |
4.25% |
4.75% |
10.50% |
16.50% |
17.00% |
| Over $35K |
79 - 84 Max |
5.25% |
6.00% |
12.50% |
17.25% |
17.99% |
| Enterprise Car Sale |
| Effective Date: Monday, February 17th, 2020 |
| Upon used vehicle purchase from Enterprise Car Sales.
Max term for special financing is 66 months.
APR*=Annual Percentage Rate. |
| Term | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Up to 66 months |
4.00% |
4.50% |
10.25% |
15.25% |
16.25% |
| New & Used Boats, Travel Trailers, Motor Homes, Motorcycles, ATV's, Personal Watercraft, Farm Equip |
| Effective Date: Monday, February 17th, 2020 |
| New & Used Boats, Travel Trailers, Motor Homes, Motorcycles, ATV's, Personal Watercraft, Farm Equipment Year 2015 to 2020. 2014 and older same as signature rate.
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 |
6.50% |
7.00% |
11.50% |
15.25% |
17.99% |
| Under $35K |
49 - 66 |
7.00% |
7.50% |
12.50% |
16.25% |
17.99% |
| Under $35K |
67 - 72 |
7.50% |
8.50% |
13.50% |
17.25% |
17.99% |
| Over $35K |
73 - 84 |
7.75% |
8.75% |
14.50% |
17.99% |
17.99% |
| Maximum Secured LTV Chart |
| Effective Date: Monday, February 17th, 2020 |
| Vehicles one ton or less.
|
| Credit Rating | New Vehicles | Used Vehicles/Refinancing |
| A |
100% of purchase price plus TT&L, GAP & Extended Warranty |
110% NADA Retail plus TT&L, GAP & Extended Warranty |
| B |
95%-100% of purchase price plus TT&L, GAP & Extended Warranty |
100% NADA Retail plus TT&L, GAP & Extended Warranty |
| C |
90% of purchase price plus TT&L, GAP & Extended Warranty |
100% NADA Clean Trade plus TT&L, GAP & Extended Warranty |
| D |
80% of purchase price, plus TT&L, GAP & Extended Warranty |
100% NADA Clean Loan plus TT&L, GAP & Extended Warranty |
| E |
80% of purchase price, plus TT&L, GAP & Extended Warranty |
100% NADA Clean Loan plus TT&L, GAP & Extended Warranty |
| A & B |
REFINANCING ONLY: 120% NADA MSRP |
REFINANCING ONLY: 120% NADA Retail |
| A & B are allowed 100% 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 |
| Effective Date: Monday, February 17th, 2020 |
| APR*=Annual Percentage Rate.
|
| Credit Rating | LTV New or Used | Maximum Term | APR* New | APR* Used |
| A |
80% |
60 Months |
8.00% |
11% |
| B |
80% |
48 Months |
10.00% |
13% |
| C |
75% |
48 Months |
12.00% |
15% |
| D & E |
70% |
36 Months |
16.00% |
18% |
| Signature Loans |
| Effective Date: Monday, February 17th, 2020 |
| Minimum payment & term: 12 months, per $1K, up to 60 months.
APR*=Annual Percentage Rate. |
| Amount | Term (Months) | Credit-A APR* | Credit-B APR* | Credit-C APR* | Credit-D APR* | Credit-E APR* |
| Under $10K |
Up to 12 |
9.50% |
11.50% |
13.50% |
15.50% |
17.99% |
| Under $10K |
13 - 24 |
10.50% |
12.50% |
14.50% |
16.50% |
17.99% |
| Under $10K |
25 - 36 |
11.50% |
13.50% |
15.50% |
17.50% |
17.99% |
| Under $10K |
37 - 48 |
12.50% |
14.50% |
16.50% |
17.99% |
17.99% |
| Over $10K |
49 - 60 |
13.50% |
15.50% |
N/A |
N/A |
N/A |
| Payday Alternative Loan (PAL) |
| Effective Date: Monday, February 17th, 2020 |
| $500.00-$2,000.00.
No Credit Check.
$20.00 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% APY* |
| E-2000 |
Up to $2K |
Up to 12 months |
28.00% APY* |
| Share & CD Secured Loans |
| Effective Date: Monday, February 17th, 2020 |
| Loans Secured by Share Account or Certificate of Deposit.
APR*=Annual Percentage Rate. |
| Amount | No Credit Check |
| Available Amount |
5.00% APY* |
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