1. The Annual Percentage Rate (APR) is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual’s excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered a higher APR. 3.25% APR for used vehicles assumes an original loan amount of $20,000, a monthly payment of $361.62, a term of 60 months, and 30 days until first payment. Rates and Terms are subject to change without notice.
2. The APR shown for Home Equity Lines of Credit is a fixed 3.25% introductory offer valid for the first twelve consecutive billing cycles, and is not combinable with other offers.
3. The APR is variable and based on the highest Prime Rate published each day in The Wall Street Journal Rates Table (the “index”), plus a margin during the revolving and repayment period. The index plus a margin ranged from 4.75% to 6.25% as of August 1, 2017. In no event will the APR exceed the lesser of 18% or the maximum rate allowed by applicable law. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. Loan amount may not exceed 85% of your home’s value. The minimum advance is $250. All loans are subject to credit approval.