**APR is the Annual Percentage Rate.
Members: Effectively immediately, New loan fees: $20.00 charge for credit report, due at time of application(non-refundable), and a $25.00 processing fee (only if approved). This $25.00 fee can be added on to your loan. VSI $50.00 fee for any loan with collateral. All secured loans are now required to have Vendor Single Insurance, we can add this to the loan for $50.00 (non refundable).