Young adult using a smartphone

Loan Rates

Rates effective as of 2/15/2025
Details Term APR*
New or Used (2022-2025)
Up to 60 mos.

Up to 72 mos.

Up to 84 mos.
6.69%

6.89%

7.39%
Used (2018-2021)
Up to 60 mos.

Up to 72 mos.

Up to 84 mos.
7.09%

7.29%

7.79%
Used (2014-2017)
Up to 60 mos.

Up to 72 mos.

Up to 84 mos.
7.49%

7.69%

8.19%
Used (2009-2013)
Up to 60 mos.

Up to 72 mos.
7.99%

8.19%
Used (2008 & Older) Up to 48 mos. 9.29%

*APR
Details Term APR*
New (2022-2024)






Minimum Loan Amount = $30,001

Minimum Loan Amount = $50,001

Minimum Loan Amount = $75,001
Up to 36 mos.

Up to 48 mos.

Up to 60 mos.

Up to 72 mos.

Up to 84 mos.

Up to 120 mos.
9.49%

9.79%

10.19%

10.69%

11.19%

13.19%
Used (2019-2021)






Minimum Loan Amount = $30,001

Minimum Loan Amount = $50,001

Minimum Loan Amount = $75,001
Up to 36 mos.

Up to 48 mos.

Up to 60 mos.

Up to 72 mos.

Up to 84 mos.

Up to 120 mos.
10.49%

10.79%

11.19%

11.69%

12.19%

14.19%
Used (2018 and Older)






Minimum Loan Amount = $30,001

Minimum Loan Amount = $50,001

Minimum Loan Amount = $75,001
Up to 36 mos.

Up to 48 mos.

Up to 60 mos.

Up to 72 mos.

Up to 84 mos.

Up to 120 mos.
11.49%

11.79%

12.19%

12.69%

13.19%

15.19%
*APR = Annual Percentage Rate. Rates are tiered, rate shown as low as. APR is subject to change without notice.
APR* Term
As low as 9.49% Up to 18 mos.
As low as 10.24% 18 mos. - 36 mos.
As low as 10.99%
37 mos. - 60 mos.
*APR = Annual Percentage Rate. Rates are tiered, rate shown as low as. APR is subject to change without notice.
APR* Term
As low as 7.99% Up to 60 mos.
As low as 9.99% Up to 180 mos.
*APR = Annual Percentage Rate. Rates are tiered, rate shown as low as. APR is subject to change without notice.
APR* Term
16.90% Open end line of credit
*APR = Annual Percentage Rate. Rates are tiered, rate shown as low as. APR is subject to change without notice.
Year APR* Term
1st Mortgage Call for daily rates Up to 360 mos.
Home Equity Loan (Up to 80% LTV)

Home Equity Loan (Up to 80% LTV)

Home Equity Loan (Up to 80% LTV)
6.75%

7.25%

7.75%
5 Years

10 Years

15 Years
HELOC (Up to 80% LTV)

HELOC (Up to 90% LTV)

HELOC (Up to 100% LTV)
7.75%

8.50%

9.25%
Rate = Prime + 0.00%

Rate = Prime + 0.75%

Rate = Prime + 1.50%
*APR = Annual Percentage Rate. Rates are tiered, rate shown as low as. APR is subject to change without notice.
     
     
     
     
     
     





Young woman using a laptop

It's time to get in control of your debt!

Take charge of your finances with a debt consolidation loan from Afena.

Explore Debt Consolidation