Personal Loan & Visa Rates

Home Equity Lines of Credit (Last Revised: Jan 11, 2017)

Loan TypeTermsAPR
Home Equity Line-of-Credit (HELOC)10 year draw + 15yr. repay2.49%-5.50%*

*Home Equity Credit Lines available up to 80% of the appraised value, minus any first mortgage balance ($250,000 maximum). Property must be California owner occupied 1-4 unit residence. No UNCLE-imposed closing costs unless borrower is refinancing existing UNCLE debt, but if the line or loan is paid off within 36 months, borrower must reimburse actual third party costs incurred by UNCLE to establish the line or loan, estimated between $500 and $1000. If borrower refinances another lender’s line or loan with UNCLE, UNCLE will pay up to $300 towards early payoff fees imposed by the other lender, but will not pay other amounts charged by the other lender such as principal and interest payments, late fees, or reconveyance fees. Other restrictions and conditions apply; ask for details.

Interest Only Home Equity Line of Credit (Last Revised: Jan 01, 2017)

Loan TypeTermsAPR
Home Equity Line-of-Credit Interest Only (HELOC)10 year draw + 15yr. repay2.49%-3.50%*

*Home Equity Credit Lines available up to 80% of the appraised value, minus any first mortgage balance ($250,000 maximum). Property must be California owner occupied 1-4 unit residence. No UNCLE-imposed closing costs unless borrower is refinancing existing UNCLE debt, but if the line or loan is paid off within 36 months, borrower must reimburse actual third party costs incurred by UNCLE to establish the line or loan, estimated between $50 and $1500. If borrower refinances another lender’s line or loan with UNCLE, UNCLE will pay up to $300 towards early payoff fees imposed by the other lender, but will not pay other amounts charged by the other lender such as principal and interest payments, late fees, or reconveyance fees. Other restrictions and conditions apply; ask for details.

Visa Platinum Rewards (Last Revised: Jan 01, 2017)

TermAPR**
RevolvingCurrent: 13.99-28.99%

Credit limits from $300 to $20,000. Minimum payment for APR less than 24.00% is 2.0%. Minimum payment for APR above 24.00% is 3.0%.
**APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Visa Platinum Secured (Last Revised: Jan 01, 2017)

TermAPR**
RevolvingCurrent: 14.99%

Credit limits from $300 to $10,000. Requires a security share deposit for 120% of credit limit.

**APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Visa Platinum (Last Revised: Jan 01, 2017)

TermAPR**
RevolvingCurrent: 12.99-27.99%

Credit limits from $300 to $20,000. Minimum payment for APR less than 24.00% is 2.0%. Minimum payment for APR above 24.00% is 3.0%.
**APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Personal Loan (Last Revised: Jan 01, 2017)

TermAPR**
24-60 months7.99-23.49%

Maximum personal loan amount is $20,000. **APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Line-of-Credit (Last Revised: Jan 01, 2017)

TermAPR**
24-60 months10.50-29.50%

Credit limits from $500 to $20,000. **APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Certificate Secured (Last Revised: Jan 01, 2017)

TermAPR**
Loan to mature concurrent with CD maturityDividend rate + 1.75-4.25%

Requires a security share certificate deposit for 100% of loan balance. **APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.

Savings Secured (Last Revised: Jan 01, 2017)

TermAPR**
Up to 60 monthsDividend rate + 1.75-4.25%

Requires a security share deposit for 100% of loan balance. **APR = Annual Percentage Rate. Rates and terms are subject to change and based on creditworthiness.