Loan Rates Low-cost, Local Financing Chocolate Bayou makes financing large purchases easy and affordable! Whether you’re buying your next car, remodeling your home, or even getting braces for your child…a loan from Chocolate Bayou can help. Auto Loans Secured Loans Unsecured Loans Land Loans Home Equity Loans Home Purchase & Refinance Auto Loans Up to 60 MonthsAPR1 as low as Up to 72 MonthsAPR1 as low as 3.42%2 3.67%2 Secured Loans Used for Boats, Motorcycles, RVs, ATVs, Motor Homes, Machinery, and Farm Equipment. Up to 60 MonthsAPR1 as low as Up to 72 MonthsAPR1 as low as Up to 84 MonthsAPR1 as low as Up to 96 MonthsAPR1 as low as 4.67%2 5.92%2 6.92%2 7.92%2 Higher terms available for some products. Not all terms shown are available for all products. Unsecured Loans Used for nearly anything! Popular uses include debt consolidation, medical expenses, education, furniture, and more. Personal Loans Terms up to 60 months APR1 as low as9.93% Credit Cards Limits up to $10,000 APR1 as low as9.18% Land Loans3 Used for unimproved property. 10 yearsAPR1 as low as 15 yearsAPR1 as low as 1st Lien 7.50% 8.00% Home Equity Loans3,4,5 Used for anything from debt consolidations to home improvements. 5 yearsAPR1 as low as 10 yearsAPR1 as low as 15 yearsAPR1 as low as 1st Lien 5.00% 5.25% 5.75% 2nd Lien 5.25% 6.00% 6.25% Home Purchases & Refinance3,5 Used for purchasing or refinancing primary residences or rental/investment properties. 10 yearsAPR1 as low as 15 yearsAPR1 as low as 20 yearsAPR1 as low as Home Purchase/Refinance 5.00% 5.25% 5.75% Rental or InvestmentPurchase/Refinance 7.00% 7.25% 7.75% Rates are subject to change without notice. Not all members will qualify for all products offered. Not an offer to lend. NMLS# 941501. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Rates effective December 2018. Disclosures: APR = Annual Percentage Rate. Rates and terms vary and are based on credit score and collateral. Rates include a .50% APR Chocolate Bayou Checking Account discount. Approved members may borrow up to 80% of sales price or appraised value of property, whichever amount is less. Minimum $10,000 for home equity loans. An additional $20,000 is required for “Cash Out” home equity refinances. An escrow account for taxes and insurances will be set up for first lien home equity and mortgage loans.