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Advertised rate margin includes a 0.50% automatic payment discount from an Umpqua Bank account. Rate shown is effective as of 03/06/2020 and is subject to change without notice. The interest tate is variable and based on The Wall Street Journal Prime Rate (the "Index"), currently 3.25%, plus a margin (spread). In no event will the Annual Percentage Rate be less than 3.49%. Maximum Annual Percentage Rate of 18.00%. The margin is based on the approved loan amount and our evaluation of borrower's credit history.
All loans subject to credit approval.
Loan term up to $100,000: Revolving line of credit. $100,001 and up: one year with balloon payment at maturity.