Unsecured / Secured
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Risk-Based Lending Policy

1. Minimum loan amount - $500.00
   
2. Maximum loan amount - $10,000.00
   (based on credit score; could be less)
   Fully Secured Loans - No Limit
   No more than 3x’s monthly gross income for A Paper *
   No more than 2x’s monthly gross income for B/C Paper *
   No more than 1x’s monthly gross income for D/E Paper*
   (* see below for score ranges)
3. Minimum term – N/A
4. Maximum term – 48 months

100% Secured

1. $500 minimum
2. No maximum
3. Minimum term - N/A
4. Maximum term - 48 months

Experian FICO 2 scores and accompanying rates are for calculating purposes only; they do not determine loan eligibility.
RISK-BASED PERSONAL LOAN RATES

	730 + Platinum	680 - 729 (A)	640 - 679 (B)	600 - 639 (C)	550 - 599 (D)	Co-Signer Required 549 and below (E)
	8.95%	9.95%	10.95%	13.25%	16.50%	18.0%
20% Secured:	Reduce above rates by one percentage point (1%)
Fully Secured:	6% regardless of score