Date
Revised 01/04/25
Tiers:
Tier A
680+
Debt to Income: 45%
Loan to Value: 125%
Tier B
679-640
Debt to Income: 45%
Loan to Value: 115%
Tier C
639-601
Debt to Income: 45%
Loan to Value: 110%
Tier D
600-550
Debt to Income: 40%
Loan to Value: 100%
New Vehicle: 2025-2024
Cash out - average trade at term 60
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 24 | 5.74% | 7.74% | 13.49% | 15.74% |
| 36 | 5.99% | 7.99% | 13.74% | 15.74% |
| 48 | 6.24% | 8.24% | 13.99% | 15.74% |
| 60 | 6.74% | 8.74% | 14.49% | 15.74% |
| 72 | 6.99% | 8.99% | 14.74% | 15.74% |
| 84 | 7.49% | 9.49% | 14.99% | 15.74% |
Used Vehicle: 2023-2016
Cash out - average trade/rough trade at terms 60, 70 and 84
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 24 | 6.74% | 8.74% | 14.49% | 15.74% |
| 36 | 6.99% | 8.99% | 14.74% | 15.74% |
| 48 | 7.24% | 9.24% | 14.99% | 15.74% |
| 60 | 7.74% | 9.99% | 15.49% | 15.74% |
| 72 | 7.99% | 10.24% | 15.74% | 15.74% |
| 84 | 8.49% | 10.49% | 15.74% | 15.74% |
Classic: 2015 & Older
Cash out - average trade at term 60
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 24 | 9.74% | 11.74% | 15.74% | 15.74% |
| 36 | 9.99% | 11.99% | 15.74% | 15.74% |
| 48 | 10.24% | 12.24% | 15.74% | 15.74% |
| 60 | 10.49% | 12.74% | 15.74% | 15.74% |
| 72 | 10.99% | 12.99% |
Motorcycle / ATV New: 2025-2024 or Used: 2023 & Older
Cash out - average trade/rough trade at term 84
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 36 | 8.74% | 9.74% | 14.49% | 15.74% |
| 48 | 8.74% | 9.74% | 14.49% | 15.74% |
| 60 | 9.25% | 10.25% | 15.00% | 15.74% |
| 72 | 9.75% | 10.75% | 15.25% | 15.74% |
| 84 | 10.00% | 11.00% | 15.50% | 15.74% |
Recreational New: 2025-2024 or Used: 2023 & Older
Cash out - average trade/rough trade at terms 84, 96 and 120
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 36 | 7.74% | 8.74% | 13.49% | 15.74% |
| 48 | 7.99% | 8.99% | 13.75% | 15.74% |
| 60 | 8.25% | 9.25% | 14.25% | 15.74% |
| 72 | 8.75% | 9.75% | 14.50% | 15.74% |
| 84 | 9.00% | 10.00% | 14.75% | 15.74% |
| 96 | 9.50% | 10.50% | 15.00% | 15.74% |
| 120 | 9.75% | 10.75% | 15.25% | 15.74% |
Signature Loan
| Term | Tier A | Tier B | Tier C |
|---|---|---|---|
| 24 | 11.50% | 13.50% | 15.74% |
| 36 | 11.50% | 13.50% | 15.74% |
| 48 | 11.50% | 13.50% | 15.74% |
| 60 | 11.50% | 13.50% | 15.74% |
CD Secured:
2.00% over rate of CD max term 60 months
Share Secured
2.00% over rate of share max term 60 month
Mobile Home New & Used
Cash out max of 50% base or floor value
| Term | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|
| 120 | 10.50% | 10.99% | 11.50% | 13.50% |
| 180 | 11.00% | 10.99% | 11.50% | 13.50% |
Disclaimer
Unsecured will be a minimum of $2,000 term of 20 months.
Secured will a minimum term of 24 months
Credit builder will be set at $1,000 term 14 months a 6.50%
Loan document fee $75.00
Gap $799.00