Up-Front No-Surprise

 Loan Rates:

Customarily, lenders advertise "Rates As Low As" and then the borrower applies for the loan -- before finding out the actual rate.  We're going to try to be a little different. 

Rather than have you apply for a loan "hoping" to get the "As Low As" rate -- we will do our best to give you an accurate estimate of your actual rate -- in advance. 

Most of us have a good idea about whether our credit history would fall into the: low; average; or high risk category.  With that knowledge, and the below charts, you should be able to better estimate your actual loan rate (as well as your percent financing on auto loans).

If you know your approximate FICO score -- you should be able to "zero-in" even closer.  However, please remember the FICO score that we pull (on the day you apply for the loan) may be different than the FICO score you previously obtained.  FICO scores change every time your credit file is updated.  The scores also vary between the credit bureaus (we use Experian), and, according to which FICO score you received (there are different versions).  But all in all, your score and our score should fall within the same low, average, or high risk range.

We hope this information helps you make a more informed borrowing decision.

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*Note:  Bankruptcy Risk Score:  This score uses statistics to measure your risk of filing bankruptcy within the next few years.  If you would like to guesstimate your bankruptcy risk, you may use the following to get an “unofficial rough” estimate:

•  Low Risk: Low credit card balance to credit limit ratio (usually below 30%): no delinquency; few inquiries or new accounts; long-term solid credit history with more active than inactive accounts.
   

• Medium Risk:  Average credit card balance to credit limit ratio (usually 30% to
   +-60%); minor old small delinquencies; only a few new inquires and/or charge card/loan accounts; solid credit history -- but more older inactive accounts than current active accounts.
   

•  High Risk: High credit card balance to credit limit ratio (usually over 60%): recent delinquencies; excessive inquiries and/or new credit cards/loans.

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Disclosure:  All rates are advertised as Annual Percentage Rate (APR)

Unsecured (Signature) Loans

Click Here to download the Personal Loan Rate/Worksheet

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