We realize that some of our members have experienced some difficulty with their  past credit.  We or other lenders may have denied their loan, resulting in some members paying extraordinarily high rates elsewhere. Our goal is to help as many members as possible under our Managed Credit Program, whereby the rate members pay will be determined by their credit history. Members with good credit histories will receive our best rates.  Other members, who may have had past credit problems, will be assigned rates consistent with their credit history.

It is our goal to offer rates lower than they may be currently paying with other lenders. We encourage all our members to call us regarding our Managed Credit Program. Our goal is to help you obtain credit and save money. If you are not sure what rate you may be paying another lender, call them first, and then call us! WE WANT TO HELP!