| Loan Term | APR AS LOW AS* | LOYALTY APR AS LOW AS* |
|---|---|---|
| Up to 24 Months | 9.49% | 8.99% |
| 25-36 Months | 9.49% | 8.99% |
| 37-48 Months | 10.24% | 9.74% |
| 49-60 Months | 10.74% | 10.24% |
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*Annual Percentage Rate. Rates effective as of November 15, 2024, and subject to change without notice. Member loyalty Discount of 0.50% APR requires maintaining direct deposit to a Cobalt checking or savings account. Loyalty discount is only available on new money new loans. Existing personal loans must refinance with a minimum of $1,000 added to the loan in order to qualify for the loyalty discount. Current rates range from 9.74% APR to 16.99% APR before loyalty discount and are based on creditworthiness and the loan term. The minimum loan amount is $500 and the maximum is $30,000. Loan terms available up to 60 months. No prepayment penalty. Payment example: The monthly payment, without debt protection, for $10,000 at a 36-month term with a 9.74% APR, is approximately $341.93. All loans are subject to approval. |
