Personal
CALL US TO DISCUSS HOW A PERSONAL LOAN COULD HELP YOU CONSOLIDATE HIGHER RATE LOANS AND CREDIT CARDS INTO A LOWER RATE AND LOWER PAYMENT PERSONAL LOAN.
| Personal Loans | Duration | APR* | Terms/Conditions |
|---|---|---|---|
| Unsecured $7,500 or less | 36 Months | 13.99% | Limited to 1.5 times monthly gross income for FICO score less than 680. Limited to 2.5 times monthly gross income for FICO score of 680 or greater. |
| Unsecured $7,501 to $15,000 | 48 Months | 13.99% | Limited to 2.5 times monthly gross income for FICO score 680 or greater. |
| Secured Shares | 36 Months | 6.25% | Funds on deposit at St. James Credit Union |
| Secured Stocks | 36 Months | 10.00% | Maximum loan not to exceed 50% of value. Limited to $25,000.00. |
Example Payment: A 36 month fixed rate monthly payment, at the quoted rate of 13.99%, would be 36 monthly payments of $34.19 per $1,000 borrowed.
No application fees and no document fees! 09/26/2022