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Vehicle Loan Rates
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| New / Used Vehicles | 1- 84 Months | 6.220% to 18.470% APR* |
| New / Used Motorhomes | 1- 120 Months | 7.750% to 11.125% |
| Boats, Motorcycles, ATVs, Jet Skis, Horse Trailers, and SnowMobiles | 1- 60 Months | 8.000% to 9.875% APR* |
Real Estate
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| Lot Loans (Serviced Lots) | 5/1 Adjustable rates, up to 30 year amortization | 10.000%-10.500%APR* with 1% Fee |
| Home Equity 2nd Lien | 5/1 Adjustable rates for 30 years | 8.750% - 11.750% APR* with 1.00% fee |
| Home Equity Line of Credit (HELOC) 5-Year Draw | 20 years - 5 year draw and 15 year repayment | 7.500% - 10.500% APR* (Variable Rate) |
| Non-Equity Home Loan (Under $20,000) | Fixed up to 120 months | 10.000% to 14.000% APR* |
Personal Loans
| Type | Repayment Terms | Rate (Range) |
|---|---|---|
| Personal Loan Unsecured | Monthly payments up to 60 months | 11.500% to 19.500% APR** |
| Smart Line of Credit | Interest only Payments | 13.500% to 16.000% APR* (Variable Rate) |
| Line of Credit - Unsecured | Interest only Payments | 14.500% to 17.000% APR* (Variable Rate) |
| CD Secured | CD must be pledged throughout term of loan | Certificate Rate plus 4.000% APR* |
| Share Secured | Up to 10 Years | Share Rate plus 4.000% APR* |
Credit Card
| Repayment Terms | Rate (Range) |
|---|---|
| Monthly Payments Minimum 1.5% of Balance | BIG Rewards Credit Card 11.99% to 16.99% APR* |
| Monthly Payments Minimum 1.5% of Balance | No Fee Credit Card 13.99% to 17.99% APR* |
Making A Payment from an Outside Source
Use Magic Wrighter to make payments from another financial institution to your North Coast Loan or Credit Card.
When using a debit card there will be a processing fee, but same day posting. If you use a checking account, please have your account number and routing number available. There are no fees for this option, but there will be a delay in posting. If a payment is processed on a Friday it will post the next business day. You will receive an email confirmation once the payment is deducted from your account, so a current email is required. Any changes need to be made three full business days prior to the due date. When using Magic Wrighter you are the only one that can make changes, including cancelling automatic payments when the loan is paid in full. North Coast is unable to make any changes.