▶ Westerville
▶ Reynoldsburg
▶ Downtown Office
Loan Rates
Please see our most current Loan Rates below (all rates are subject to change at any time and without advance notice):
Auto Loans / Trucks / Vans
Auto Loans / Trucks / Vans |
|
| Auto, Trucks & Vans | |
| Rate & Term | |
| Fixed Rate | |
| 2023-2022 up to 66 months | As low as 5.49% |
| 2021-2020 up to 66 months | As low as 5.49% |
| 2019-2017 up to 66 months | As low as 6.49% |
| *Annual Percentage Rate. Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness. APRs shown are based on a $25,000 loan with a $130 application fee. Other rates and terms are available. Rates effective June 1, 2023 | |
RV / Watercraft / Travel Trailers / Motorcycles
RV / Watercraft / Travel Trailers / Motorcycles |
|
| RV, Watercraft, Travel Trailers & Motorcycles | |
| Rate & Term | |
| Fixed Rate | |
| $70,000-$100,000 / 120 Months | As low as 5.74% APR* |
| $50,000-$69,999 / 120 months | As low as 5.49% APR* |
| $50,000-$69,000 / 84 months | As low as 5.24% APR* |
| $25,000-$49,999 / 72 months | As low as 4.99% APR* |
| $20,000-$24,999 / 60 months | As low as 4.74% APR* |
| $1,000-$19,999 / 12-48 months | As low as 4.49% APR* |
| *Annual Percentage Rate Rate, Terms and conditions subject to change without advance notice. Subject to credit approval. Loan application of $130. Rate may vary based on credit worthiness. Older models add .50% to the above rates. Rates effective June 1, 2023 |
|
Consumer Loans
Consumer Loans |
|
| Share Secured | |
| Variable Rate & Term Up to 60 months |
Share Certificate/Savings APY** + 2% |
| Credit Builder Loan | |
| Up to 12 Months Maximum $2000 |
8.25% APR* (Variable Prime) |
| Personal Loans | |
| Fixed Rate & Term | |
| $500-$999 / up to 12 months | As low as 9.99% APR* |
| $1,000-$2,499 / up to 24 months | As low as 9.99% APR* |
| $2,500 – $4,999 / up to 36 months | As low as 9.99% APR* |
| $5,000-$7,499 / up to 48 months | As low as 9.99% APR* |
| $7,500 and over / up to 60 months | As low as 9.99% APR* |
| Home Improvement Loan | |
| Fixed Rate & Term $1,000 – $15,000 / Up to 84 months |
As low as 6.69% APR* |
| Debt Consolidation | |
| Fixed Rate & Term | |
| $500-$999 / up to 12 Months | As low as 9.99% APR* |
| $1,000-$2,499 / up to 24 Months | As low as 9.99% APR* |
| $2,500 – $4,999 / up to 36 Months | As low as 9.99% APR* |
| $5,000-$7,499 / up to 48 Months | As low as 9.99% APR* |
| $7,500 and over / up to 60 Months | As low as 9.99% APR* |
| Continuing Education Loan | |
| Rate & Term Maximum Term 60 months |
11.25% APR* (Variable Prime+3%) |
| Stretch Pay Loan | |
| Rate & Term | |
| $1,000 Limit ($95 Annual Fee) | 18.00% APR* |
| *Annual Percentage Rate **Annual Percentage Yield Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness. Rates effective June 1, 2023 |
|
Rewards First Visa Platinum and Visa Platinum Credit Cards
Rewards First Visa Platinum Card |
|
| Rewards First Visa Platinum Card | |
| Variable Rate Up to $30,000 / As low as |
16.99% APR* (Variable Prime) |
| *Annual Percentage Rate Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness. Rate is calculated by adding 8.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. Rates effective June 1, 2023 Click here to view a copy of Education First’s Visa Credit Card Disclosure. |
|
Visa Platinum |
|
| Visa Platinum | |
| Variable Rate Up to $30,000 / As low as |
13.99% APR* (Variable Prime) |
| *Annual Percentage Rate Rate, Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on credit worthiness. Rate is calculated by adding 5.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. Click here to view a copy of Education First’s Visa Credit Card Disclosure. Rates effective June 1, 2023 |
|
Home Equity Loans
Home Equity Loans |
|
| Home Equity Loans | |
| We offer flexible rates and a variety of terms for this loan. Please contact us at 614-221-9376 option 2, visit us at one of our three branches or email us at Loans@educu.org | |
| Home Equity Line of Credit | |
| Variable Rate | |
| CLTV 80% or Less | As low as 8.25% APR* |
| We offer flexible rates and a variety of terms for this loan. Please contact us at 614-221-9376 option 2, visit us at one of our three branches or email us at Loans@educu.org *Annual Percentage Rate. Rates effective June 1, 2023 | |
