Scheduled Maintenance | Home banking and the mobile app will be unavailable Saturday, March 23rd, at 3:00 PM, through Sunday, March 24th, at 11:30 PM, due to scheduled maintenance. We apologize for any inconvenience. 

Great rates come standard at 5Point.

When you’ve decided to take out a loan, it’s usually because it’s time to change something in your life. Maybe you’re expanding your family, or you’re considering buying a new house. Maybe it’s finally time to take that dream vacation. Being there to support and serve you as you’re making those changes is the reason 5Point exists.
 
We offer competitive rates because we want to be the ones you trust to take your life to the next level, whatever that may be. Transactions are a daily part of life. Transformations are something special. Let’s talk about how we can help you transform your life today.

Are you looking for Deposit Account rates? Click here!
Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 5.25% - 16.75% $30.09 - $35.54
48 5.50% - 17.00% $23.26 - $28.86
60 5.50% - 17.00% $19.11 - $24.86
72 6.00% - 17.00% $16.58 - $22.26
78 6.25% - 17.00% $15.64 - $21.27
84 6.75% - 17.00% $14.98 - $21.02

*APR = Annual Percentage Rate. 

Lowest rate, including 1% discount available. Terms are subject to collateral and loan amounts. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective February 20th, 2024

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Month Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 5.25% - 16.75% $30.09 - $35.54
48 5.50% - 17.00% $23.26 - $28.86
60 5.50% - 17.00% $19.11 - $24.86
72 6.00% - 17.00% $16.58 - $22.26
78 6.25% - 17.00% $15.64 - $21.27
84 6.75% - 17.00% $14.98 - $21.02
96 8.00% - 17.00% $14.14 - $19.13
120 8.75% - 17.00% $12.54 - $17.39
180 8.75% - 17.00% $10.00 - $15.40

*APR = Annual Percentage Rate. 

Lowest rate, including 1% discount available. Terms are subject to collateral and loan amounts. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective February 20th, 2024 
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Platinum Rate (APR*) Platinum Rewards Rate (APR*) Signature Rate (APR*)
12.50% - 18.00% 14.00% - 18.00% 16.00% - 18.00%

*APR= Annual Percentage Rate

No Annual Fee, 25-Day Grace Period. Rate may change after the account is opened. Credit is subject to credit approval. Membership required. Effective January 29, 2024.

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Rate (APR*)
10.50% - 18.00%

*APR= Annual Percentage Rate

Credit is subject to credit approval. Membership required. Effective April 25, 2023

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Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 10.75% - 17.00% $32.34 - $35.66
48 10.75% - 17.00% $25.50- $28.86
60 10.75% - 17.00% $21.43 - $24.86
72 11.00% - 17.00% $18.87 - $22.26
 

*APR= Annual Percentage Rate

Lowest rate, including discounts available. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective November 21, 2023

apply now

Months Rate (APR*) Monthly Payment Per $1,000 Borrowed
36 10.75% - 17.00% $32.34 - $35.66
48 10.75% - 17.00% $25.50 - $28.86
60 10.75% - 17.00% $21.43 - $24.86
72 11.00% - 17.00% $18.87 - $22.26
 

*APR= Annual Percentage Rate

Lowest rate, including discounts available. Rates disclosed reflect our best rates and may be different based on credit underwriting or services used. All loan rates are subject to change without prior notice. Credit is subject to credit approval. Membership required. Effective November 21, 2023

apply now

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