Personal Loan Rates
Secured Loans, Solar Loans, and Fixed Rate Personal Loans
| Type | Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Fixed Rate Personal Loan | 48 months | 9.990% | $25.36 | SS, T, Z |
| Type | Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Solar Advantage Loan | 12-120 months | 5.75% | $10.98 | SS, T, V, W |
| 121-180 months | 6.00% | $8.44 | ||
| 181-240 months | 6.25% | $7.31 |
SS) APR - Annual Percentage Rate is subject to change and may vary depending on credit rating.
T) Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 3.625, multiply 20 x $13.50 for a payment amount of $270.00 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle.
V) You must currently own and occupy a home in California. No lien is placed on your home. $150 processing fee required.
W) Minimum loan amount of $20,000 for terms greater than 15 years (180 months).
Z) The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $35,000.
| Type | Max Term | Fixed Rate APR | Payment per $1,000 | Disclaimers |
|---|---|---|---|---|
| Savings Secured Loan | 48 months | Lowest savings rate + 3% | Varies | SS, T |
| Certificate Secured Loan | Certificate Maturity Date | Certificate yield + 3% (rate rounded up to next whole number) | Varies |
SS) APR - Annual Percentage Rate is subject to change and may vary depending on credit rating.
T) Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 3.625, multiply 20 x $13.50 for a payment amount of $270.00 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle.