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Lending Guidelines and Rates


Debt Ratio Limits
Monthly Gross Income Max Overall Debt Ratio Max Unsecured Debt Ratio
$750 to $2,500 38% 20%
$2,501 to $5,000 46% 25%
$5,001 to up 50% 35%
Unsecured Credit/Credit Card Limit
Credit Score Credit History Length Max Credit Limit Max Unsecured with CU
700+ 60m or more 3x monthly gross income $20,000
620 – 690 36m or more 2x monthly gorss income $12,000
619 or less 24m or more 1x monthly gross income $7,500
Secured Credit Limit
Credit Score Max Credit Limit*
730+ – A+ 10x monthly gross income
680 – 729 – A 9x monthly gross income
640 – 679 – B 6x monthly gross income
600 – 639 – C 5x monthly gross income
550 – 599 – D 3x monthly gross income
500 – 549 – E 2x monthly gross income
*With matching max on credit, as primary, up to an additional $7,500. If no match, default to 5X Monthly Gross
Rate Discounts (A, B, C Paper)
Type Deduction
Payroll Deduction -0.25%
Direct Deposit -0.25%
Certificate of Deposit -0.25%
MasterCard -0.25%
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
No auto GT 7y age. Miles not to exceed 100k
Credit Score 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
730+ – A+ 2.55% 2.39% 2.17% 2.01% 110%
680 – 729* – A 3.05% 2.89% 2.67% 2.51% 100%
640 – 679 – B 4.55% 4.39% 4.17% 4.01% 95%
600 – 639 – C 6.55% 6.39% 6.17% 6.01% 90%
550 – 599 – D 10.55% 10.39% 10.17% 10.01% 85%
500 – 549 – E 14.55% 14.39% 14.17% 14.01% 75%
Max 18%
Recreational Vehicles, Boats, and Motorcycles
No auto GT 7y age. Miles not to exceed 100k
Credit Score 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
730+ – A+ 3.30% 3.14% 2.92% 2.76% 110%
680 – 729* – A 3.55% 3.39% 3.17% 3.01% 100%
640 – 679 – B 5.05% 4.89% 4.67% 4.51% 95%
600 – 639 – C 7.05% 6.89% 6.67% 6.51% 90%
550 – 599 – D 11.05% 10.89% 10.67% 10.51% 85%
500 – 549 – E 15.05% 14.89% 14.67% 14.51% 75%
Max 18%
*Base rate calculated by Cornerstone League Loan Pricing Guidelines (Guidelines Rates W/O Discount Points)
Unsecured Credit
Credit Score 6m – 12m 13m – 24m 24m – 36m 37m – 48m
730+ 8.26% 8.42% 8.64% 8.80%
680 – 729** 8.76% 8.92% 9.14% 9.30%
640 – 679 10.26% 10.42% 10.64% 10.80%
600 – 639 12.26% 12.42% 12.64% 12.80%
550 – 599 16.26% 16.42% 16.64% 16.80%
500 – 549 18.00% 18.00% 18.00% 18.00%
Max 18%
Shared Secured
Share Rate and/or Certificate Rate and add
2.50% minimum monthly payment is $90.00
Minimum loan amount is $500.00
Distress Loans
Yrs Employed $ Amount Term Rate Weekly Semi-M Monthly
1 – 5 yrs $500 6m 18.00% $25 $45 $90
5 – 10 yrs $1,500 12m 18.00% $35 $72 $142
10 & over $2,000 12m 18.00% $43 $93 $182