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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 84m Rate 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
No auto > 7y age. Miles not to exceed 100k
730+ – A+ 6.10% 5.70% 5.30% 4.90% 4.50% 100%
680 – 729* – A 6.60% 6.20% 5.80% 5.40% 5.00% 100%
640 – 679 – B 8.10% 7.70% 7.30% 6.90% 6.50% 100%
600 – 639 – C 10.10% 9.70% 9.30% 8.90% 8.50% 100%
550 – 599 – D 14.10% 13.70% 13.30% 12.90% 12.50% 95%
500 – 549 – E 18.00% 18.00% 18.00% 18.00% 18.00% 95%
Max 18%

Recreational Vehicles, Boats, and Motorcycles

Credit Score 84m Rate 72m Rate 60m Rate 48m Rate 36mm Rate Max LTV
No auto GT 7y age. Miles not to exceed 100k
730+ – A+ 6.85% 6.45% 6.05% 5.65% 5.25% 100%
680 – 729* – A 7.10% 6.70% 6.30% 5.90% 5.50% 100%
640 – 679 – B 8.60% 8.20% 7.80% 7.40% 7.00% 100%
600 – 639 – C 10.60% 10.20% 9.80% 9.40% 9.00% 100%
550 – 599 – D 14.60% 14.20% 13.80% 13.40% 13.00% 95%
500 – 549 – E 18.00% 18.00% 18.00% 18.00% 18.00% 95%
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+ 10.36% 10.52% 10.74% 10.90%
680 – 729** 10.86% 11.02% 11.24% 11.40%
640 – 679 12.36% 12.52% 12.74% 12.90%
600 – 639 14.36% 14.52% 14.74% 14.90%
550 – 599 17.36% 17.52% 17.74% 17.90%
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