All secured loans will be charged a $155 loan processing fee. All unsecured loans (except lines of credit) will be charged a $35 loan processing fee if loan is $3,500 or below; $70 loan processing fee if loan is above $3,500. Christmas Loans will be charged a $35 loan processing fee. Non-Commercial real estate loans and Share Secured Loans will not be charged a fee. APR (Annual Percentage Rate) "as low as" rates assume excellent borrower credit history. Your actual APR may vary based on several factors, including credit history, loan type, term, loan amount, borrower eligibility and market conditions. To request a pre-approval, submit a complete loan application packet to the Loan Department. Rates and terms are subject to change based on market conditions.