Secured Personal Loan

*The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The above APR is based on a loan of $20,000 and a term of 36 months and includes a $75 loan fee. The estimated monthly principal and interest payment is $603.92. Your actual APR and monthly payment may vary based on loan amount and term. A late charge of 5% of the unpaid portion of the regularly scheduled payment or $5, whichever is greater, will apply if a payment is 15 days or more late. If the loan is paid off early, you will not be entitled to a refund of the prepaid finance charges, and you will not have to pay a penalty.