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APR - APRs range from 5.50% to 35.18% with automatic electronic transfers from your bank account. The APR reflects your interest rate and loan origination fee. Your APR may be higher due to a $5 fee, per payment, if you elect to make payments by any means other than automatic electronic transfers. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history.

Eligibility Criteria - A borrower must be at least 18 years old; be a U.S. citizen or permanent resident alien in an eligible state (including the resident of an eligible state who serves in the Armed Forces); meet eligibility requirements such as income and credit thresholds; and provide a valid social security number, email address, U.S. bank account, and in some circumstances documentation verifying identity and/or income.

You may be ineligible for a loan if: (1) you no longer meet our criteria when your application is processed; (2) you have already initiated or completed a loan application with The Federal Savings Bank;  (3) your application is incomplete, inaccurate or unverifiable; or (4) you are outside the eligible jurisdictions in which the loans are offered.