Consumer Loan Application

VISA Account Terms and Conditions

Please review the terms and conditions then click 'Apply' to start your application.

Visa Account Terms and Conditions

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchase Transactions	Prime + 7.00% to Prime + 16.75% APR Platinum Low Rate* Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back * Prime + 9.25% to Prime + 16.75% APR\r Signature Visa* 22.99% APR Shared Secured 18.00% APR Youth Visa
Annual Percentage Rate (APR) for Cash Transactions	Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate* Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back * Prime + 12.25% to Prime + 19.75% APR Signature Visa* 22.99% APR Shared Secured 18.00% APR Youth Visa
Annual Percentage Rate (APR) for Balance Transfers	Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate* Unless eligible for lower rate when available Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back* Unless eligible for lower rate when available Prime + 12.25% to Prime + 19.75% APR Signature Visa* Unless eligible for lower rate when available 22.99% APR Share Secured 18.00% APR Youth Visa
How to Avoid Paying Interest	You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed.
Paying Interest	Finance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full.
Delinquency	You will be in default if your account becomes more than two months past due. On the first day of the month following notice of default, your APR will be increased to 22.99%. Upon default, if six consecutive payments are made on time, the\r default rate will be removed and previous APR will resume.
Billing Error Rights	For information about your right to dispute transactions, please refer to section 16 of the Account Agreement.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
Method of Computing the Balance	Average Daily Balance Method.
Fees
Annual Membership Fee	NONE
Cash Advance Fee	3% of each cash advance ($5.00 Minimum).
Balance Transfer Fee	3% of each balance transfer ($5.00 Minimum).
Late Payment Fee	$25.00 fee may be assessed for payments made later than the due date.
Returned Payment Fee	$20.00 fee assessed for returned payments.
Foreign Transaction Fee	2% of transaction (made in/merchants located in foreign country)

*This APR will vary with the market based on the Prime Rate as well as the credit score.