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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 gross 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)

Credit Score 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
No auto GT 7y age. Miles not to exceed 100k
730+ – A+ 2.65% 2.49% 2.27% 2.11% 110%
680 – 729* – A 3.15% 2.99% 2.77% 2.61% 100%
640 – 679 – B 4.65% 4.49% 4.27% 4.11% 95%
600 – 639 – C 6.65% 6.49% 6.27% 6.11% 90%
550 – 599 – D 10.65% 10.59% 10.27% 10.11% 85%
500 – 549 – E 14.65% 14.49% 14.27% 14.11% 75%
Max 18%

Recreational Vehicles, Boats, and Motorcycles

Credit Score 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
No auto GT 7y age. Miles not to exceed 100k
730+ – A+ 3.40% 3.24% 3.02% 2.86% 110%
680 – 729* – A 3.65% 3.49% 3.27% 3.11% 100%
640 – 679 – B 5.25% 4.99% 4.77% 4.61% 95%
600 – 639 – C 7.15% 6.99% 6.77% 6.61% 90%
550 – 599 – D 11.15% 10.99% 10.77% 10.61% 85%
500 – 549 – E 15.15% 14.99% 14.77% 14.61% 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+ 8.36% 8.52% 8.74% 8.90%
680 – 729** 8.86% 9.02% 9.24% 9.40%
640 – 679 10.36% 10.52% 10.74% 10.90%
600 – 639 12.36% 12.52% 12.74% 12.90%
550 – 599 16.36% 16.52% 16.74% 16.90%
500 – 549 18.00% 18.00% 18.00% 18.00%
Max 18%

Shared Secured

Share secured details
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 $185