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New & Used Autos, Classics & Collectibles
Effective Date: Tuesday, August 4th, 2020
New & Used Autos Year 2013 to 2020. 2012 and older same as signature rate. APR*=Annual Percentage Rate
AmountTerm (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
Upon used vehicle purchase from Enterprise Car Sales. Max term for special financing is 66 months. APR*=Annual Percentage Rate.
TermCredit-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
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.
AmountTerm (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
Vehicles one ton or less.
Credit RatingsNew VehiclesUsed 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
APR*=Annual Percentage Rate.
Credit RatingsLTV New or UsedMaximum TermAPR* NewAPR* 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
Minimum payment & term: 12 months, per $1K, up to 60 months. APR*=Annual Percentage Rate.
AmountTermCredit-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: Tuesday, August 4th, 2020
$500.00-$2,000.00. No Credit Check. $20.00 Loan Fee. Minimum 1 Year Membership. APR*=Annual Percentage Rate.
PAL TypeAmountTermNo 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
Loans Secured by Share Account or Certificate of Deposit. APR*=Annual Percentage Rate.
AmountNo Credit Check
Available Amount 5.00% APY*

MasterCard Credit Cards
We offer several types of MasterCard Credit Cards. APR*=Annual Percentage Rate.
Interest Rates and Interest ChargesPlatinum MasterCardGold MasterCardClassic MasterCardShare-Secured MasterCardStarter 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 TypeFees
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.

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