Fee Schedule Shares Loan Rates Certificates
Effective as of: August 01, 2025
| Loan Rates and APR (Annual Percentage Rate) | |||||
| PERSONAL UNSECURED | |||||
| FICO Score | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| Amount | $15,000.00 | $15,000.00 | $15,000.00 | $10,000.00 | $7,500.00 |
| Term | up to 60 months | up to 60 months | up to 60 months | up to 60 months | up to 60 months |
| Rate | 10.75% | 12.75% | 15.75% | 16.00% | 17.50% |
| Payment per $1000 | $21.63 | $22.63 | $23.80 | $24.33 | $25.13 |
| DEBT CONSOLIDATION | |||||
| FICO Score | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| Amount | $15,000.00 | $15,000.00 | $15,000.00 | $10,000.00 | $7,500.00 |
| Term | up to 60 months | up to 60 months | up to 60 months | up to 60 months | up to 60 months |
| Rate | 12.00% | 14.00% | 15.75% | 16.75% | 18.00% |
| Payment per $1000 | $22.25 | $23.28 | $24.20 | $24.73 | $25.40 |
| NEW AUTO/MOTORCYCLE 2024-2025 - UNTITLED/ FINANCE 100% OF KBB VALUE | |||||
| FICO Score | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| TERM | UP TO 84 months | UP TO 84 months | UP TO 84 months | UP TO 84 months | UP TO 84 months |
| RATE | 6.75% | 7.00% | 7.50% | 8.00% | 8.50% |
| PMT PER $1,000.00 | $14.50 | $14.62 | $14.86 | $15.10 | $15.35 |
| Max: | $65,000.00 | Titled in Massachusetts | |||
| USED AUTO/MOTORCYCLE - 1, 2 OR 3 YEARS FROM CURRENT YEAR | |||||
| FICO | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| TERM | UP TO 72 months | UP TO 72 months | UP TO 72 months | UP TO 72 months | UP TO 72 months |
| RATE | 7.00% | 7.25% | 7.75% | 8.25% | 8.75% |
| PMT PER $1,000.00 | $16.58 | $16.70 | $16.94 | $17.18 | $17.42 |
| Max: | $40,000 | Titled in Massachusetts | |||
| USED AUTO/MOTORCYCLE - 4 OR 5 YEARS FROM CURRENT YEAR (NO OLDER THAN 2020) | |||||
| FICO | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| TERM | UP TO 72 months | UP TO 72 months | UP TO 72 months | UP TO 72 months | UP TO 72 months |
| RATE | 7.50% | 8.00% | 8.50% | 9.00% | 9.50% |
| PMT PER $1,000.00 | $16.82 | $17.06 | $17.30 | $17.54 | $17.79 |
| Max: | $40,000 | Titled in Massachusetts | |||
| 2-3 Years | 72 months | ||||
| 4 Years | 60 months | ||||
| 5 Years | 48 months | ||||
| HOLIDAY, VACATION LOAN | |||||
| FICO | 790+ | 720 -789 | 670 - 719 | 630 - 669 | 500 - 629 |
| AMOUNT | $1,500.00 | $1,500.00 | $1,500.00 | $1,500.00 | N/A |
| TERM | UP TO 12 months | UP TO 12 months | UP TO 12 months | UP TO 12 months | N/A |
| RATE | 10.50% | 10.75% | 11.00% | 11.25% | N/A |
| PMT PER $1,000.00 | $88.16 | $88.27 | $88.39 | $88.51 | |