Rates updated 11/1/2018, and are subject to change. Loan amounts start at $3,000. Fees and closing costs will apply and may be included in the loan amount. APR = Annual Percentage Rate. Other terms and rates are available. The allowable term of financing may be restricted on debt consolidation loans. The interest rate will be higher on loans over 80% loan-to-value. Rates are for owner occupied, fully amortized 1-4 family residences. An appraisal fee may be applicable. Fees may vary among different trade areas. Maximum loan-to-value up to 80% less prior mortgages. Limited Time Offer.