Loan Rates
Vehicle Loan Rates
New Automobile Loan Rates
Rates effective May 1, 2020 and subject to change.
Up to 115% financing for qualified applicants.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 2.44% | $42.73 |
| 36 months | $2,500+ | 2.64% | $28.92 |
| 48 months | $2,500+ | 2.94% | $22.11 |
| 60 months | $5,000+ | 3.14% | $18.03 |
| 72 months | $15,000+ | 3.34% | $15.35 |
| 84 months | $20,000+ | 4.64% | $13.97 |
| Sample Monthly Payment of $279.31 for loan amount of $20,000 at 84 months with 4.64% APR* | |||
Used Automobile Loan Rates
Rates effective May 1, 2020 and subject to change.
Up to 115% financing for qualified applicants.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 2.44% | $42.73 |
| 36 months | $2,500+ | 2.94% | $29.05 |
| 48 months | $2,500+ | 3.24% | $22.24 |
| 60 months | $5,000+ | 3.34% | $18.12 |
| 72 months | $15,000+ | 3.84% | $15.57 |
| 84 months | $20,000+ | 4.84% | $14.06 |
| Sample Monthly Payment of $281.18 for loan amount of $20,000 at 84 months with 4.84% Annual Percentage Rate | |||
New Motorcycle Loan Rates
Rates effective May 1, 2020 and subject to change.
Up to 115% financing for qualified applicants.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 2.44% | $42.73 |
| 36 months | $2,500+ | 2.64% | $28.92 |
| 48 months | $2,500+ | 2.94% | $22.11 |
| 60 months | $5,000+ | 3.14% | $18.03 |
| 72 months | $15,000+ | 3.34% | $15.35 |
| 84 months | $20,000+ | 4.64% | $13.97 |
| Sample Monthly Payment of $279.31 for loan amount of $20,000 at 84 months with 4.64% APR* | |||
Used Motorcycle Loan Rates
Rates effective May 1, 2020 and subject to change.
Up to 115% financing for qualified applicants.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 24 months | $2,500+ | 2.44% | $42.73 |
| 36 months | $2,500+ | 2.94% | $29.05 |
| 48 months | $2,500+ | 3.24% | $22.24 |
| 60 months | $5,000+ | 3.34% | $18.12 |
| 72 months | $15,000+ | 3.84% | $15.57 |
| 84 months | $20,000+ | 4.84% | $14.06 |
| Sample Monthly Payment of $281.18 for loan amount of $20,000 at 84 months with 4.84% Annual Percentage Rate | |||
New and Used Boat and RV Loan Rates
Rates effective May 1, 2020 and subject to change.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 36 months | $2,500+ | 6.84% | $30.80 |
| 60 months | $10,000+ | 7.09% | $19.84 |
| 72 months | $25,000+ | 7.74% | $17.41 |
| 84 months | $25,000+ | 7.94% | $15.56 |
| Sample Monthly Payment of $396.87 for loan amount of $20,000 at 60 months with 7.09% APR. | |||
New, Used, Refinance: Auto, Motorcycle, Boat and RV
*APR=Annual Percentage Rate. APR may be higher based on past and present credit performance. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan. Down payment may be required based on creditworthiness. **100-115% financing not available to all applicants. See Representative for details.
Spring Personal Loan Rates
Rates effective May 1, 2020 and subject to change.
| Loan Term | Loan Amount | Annual Percentage Rate | Payment Example per $500 Borrowed |
|---|---|---|---|
| 36 Months | $500 - $5,000 | 8.50% | $15.78 |
Spring Personal Loan
APR = Annual Percentage Rate. Rate effective as of May 1, 2020. $500 minimum loan amount. Example of repayment terms: 36 monthly payments of $15.78 per $500 borrowed. Limited time offer: March 1 - April 30, 2020. Justice Federal reserves the right to cease this promotional offer at any time.
Personal Loan Rates
Rates effective May 1, 2020 and subject to change.
| Loan Term | Loan Amount | Annual Percentage Rate as low as | Payment Example per $1,000 Borrowed |
|---|---|---|---|
| Up to 12 months | $500+ | 10.49% | $88.14 |
| 24 months | $1,000+ | 10.49% | $46.37 |
| 36 months | $2,500+ | 10.49% | $32.50 |
| 48 months | $3,000+ | 10.49% | $25.60 |
| 60 months | $5,000+ | 10.49% | $21.49 |
| Sample Monthly Payment of $322.33 for loan amount of $15,000 at 60 months with 10.49% APR* | |||
Personal Loan
*APR=Annual Percentage Rate. Rate effective May 1, 2020 and subject to change without notice. Annual percentage rate may be higher based on past and present credit performance. $500 Minimum loan amount. Example of repayment terms: 60 monthly payments of $21.49 per $1,000 borrowed.
Education Assistance Line of Credit Rates
Rates effective May 1, 2020 and subject to change.
| Loan Amount | Annual Percentage Rate as low as |
|---|---|
| $500-$40,000 | 8.90% |
Education Assistance Line of Credit
Annual percentage rate may be higher based on past and present credit performance.
Justice Line of Credit Rates
Rates effective May 1, 2020 and subject to change.
| Loan Amount | Annual Percentage Rate as low as |
|---|---|
| $250-$40,000 | 12.50% |
Justice Line of Credit
Annual percentage rate may be higher based on past and present credit performance.
Share Secured Loan Rates
Rates effective May 1, 2020 and subject to change.
| Terms | Annual Percentage Rate as low as |
|---|---|
| Up to 60 months | Share dividend earned + 3.00% |
| Sample Monthly Payment of $58.44 for loan amount of $2,000 at 36 months with 3.15% APR. | |
Credit Builder Loan Rates
Rates effective May 1, 2020 and subject to change.
| Terms | Annual Percentage Rate as low as |
|---|---|
| Up to 12 months | Share dividend earned + 3.00% |
| Sample Monthly Payment of $84.76 for loan amount of $1,000 at 12 months with 3.15% APR. | |
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