| Loan Pricing Structure |
| (Effective February 8, 2011) |
| Loan Type |
Base Rate |
Beacon |
Term |
APR |
Daily Rate |
| 3.50% |
|
700 & > |
24 Month |
3.50% |
0.009589% |
| |
700 & > |
36 Month |
3.50% |
0.009589% |
| AUTO OR TRUCK |
700 & > |
48 Month |
3.50% |
0.009589% |
| |
700 & > |
60 Month |
3.50% |
0.009589% |
| |
600-699 |
24 Month |
4.50% |
0.012329% |
| Model Years '07-'11 |
600-699 |
36 Month |
4.50% |
0.012329% |
| Loan Origination |
600-699 |
48 Month |
4.50% |
0.012329% |
| |
600-699 |
60 Month |
4.50% |
0.012329% |
| |
|
500-599 |
36 Month |
6.00% |
0.016438% |
| Fee $25 |
500-599 |
48 Month |
6.50% |
0.017808% |
| |
|
500-599 |
60 Month |
7.00% |
0.019178% |
| |
700 & > |
24 Month |
4.25% |
0.011644% |
| |
700 & > |
36 Month |
4.50% |
0.012329% |
| |
|
700 & > |
48 Month |
4.75% |
0.013014% |
| AUTO OR TRUCK |
700 & > |
60 Month |
4.99% |
0.013671% |
| Model Years '01-'06 |
600-699 |
24 Month |
5.25% |
0.014384% |
| |
|
600-699 |
36 Month |
5.50% |
0.015068% |
| |
|
600-699 |
48 Month |
5.75% |
0.015753% |
| Fee $25 |
600-699 |
60 Month |
5.99% |
0.016411% |
| |
|
500-599 |
24 - 36 Month |
7.00% |
0.019178% |
| |
|
500-599 |
48 Month |
7.50% |
0.020548% |
| |
|
500-599 |
60 Month |
8.00% |
0.021918% |
| 7.25% |
|
700 & Up |
Up to 100% LTV |
7.25% |
0.019863% |
| OTHER SECURED |
650-699 |
Up to 100% LTV |
7.75% |
0.021233% |
| 10% cash down REQUIRED |
600-649 |
Max 90% LTV |
7.75% |
0.021233% |
| For any score below 650 |
500-599 |
Max 90% LTV |
9.75% |
0.026712% |
| Fee $25 |
<500 |
Max 90% LTV |
14.75% |
0.040411% |
| 10.00% |
|
>700 |
|
10.00% |
0.027397% |
| UNSECURED |
651 - 700 |
|
11.50% |
0.031507% |
| Loan Origination |
600 - 650 |
|
15.50% |
0.042466% |
| Fee $20 |
500 - 600 |
|
17.50% |
0.047945% |
| |
|
<500 |
|
N/A |
N/A |
| Quick Pay Loan |
15.00% |
|
15.00% |
0.041096% |
| Fee $15 |
|
|
|
|
| Share Secured |
|
36 Month |
3.90% |
0.010685% |
| |
|
48 Month |
4.90% |
0.013425% |
| Loan Fee $20 |
|
60 Month |
5.90% |
0.016164% |
| Certificate Secured Fee $20 |
|
| Variable Rate tied to CD |
Balloons at CD
Maturity Date |
2 % above CD Rate |
| Spring Fling Loan Special |
>650 |
24 Month |
10.00% |
0.027397% |
| Loan Fee $25 |
<650 |
24 Month |
16.00% |
0.043836% |
"50/50" Share Secured
Loan Fee $25 Up Front |
|
15.90% |
0.043562% |
| |
No Bankruptcies or |
Judgments |
|
Second Chance
Credit Rebuilder |
$1,000 >1 yr |
Second Chance Auto
15% APR
48 Month Max |
$10,000 12 Month Employed |
Fee $25 Non Refundable
Up Front
18% APR |
$1,500 >2 yr
$2,500 >3 yr |
$30 Fee Non Refundable |
|
