Take advantage of our Let’s Go Loan, a no credit check loan option.
Your credit history won’t hold you back.
Jolt can get you the funds as soon as today.
Choose a repayment plan that fits your budget.
Life is full of surprises. Whether you need cash for a quick fix or something exciting, use the funds for whatever comes your way.
| Description | Loan Term \ Details | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Share-Secure Loan | Up to 12 Months | 3.050% | ||
| Share-Secure Loan | 13 to 36 Months | 4.050% | ||
| Signature Loan | Up to 60 Months | 11.904% | 11.75% | Eligible for Take-Back |
| Signature Loan - $10,000 Minimum | 61 to 72 Months | 11.882% | 11.75% | Eligible for Take-Back |
| Let's Go Loan** | Up to 12 Months | 18.99% | 18.99% | No Credit Check |
*APR=Annual Percentage Rate. Rates listed represent our best rates and are based on creditworthiness and qualifications. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. **Must be a member of Jolt for at least 180 days with an open account and in good standing. Must have a monthly direct deposit into a Jolt checking or savings account, and a monthly direct deposit aggregate total of at least $1,000 in the prior 90 days. Must be employed at your current employer for at least the last 90 days, are not past due on any loans, and have not caused Jolt CU a loss and/or do not have a negative deposit balance. Members currently in bankruptcy are not eligible. Must be 18 years or older to apply. A $60 non-refundable processing fee will be deducted from your checking or savings account regardless of loan approval status. Member can have a maximum of one (1) Let's Go Loan open at a time. Additional restrictions and conditions may apply. Loan may be changed or discontinued at any time. To view Payment Examples please select the hyperlinks. | ||||
Payment Example – Loan amount of $25,035 with $0 down at 6.334% APR* for 36 months results in approximate monthly payments of $764.26. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,035 with $0 down at 6.298% APR* for 60 months results in approximate monthly payments of $486.77. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,000 with $0 down at 8.049% APR* amortized over 60 months results in equal monthly payments of $507.09. (Loan amount does not include $35.00 processing fee.)
Payment Example – Loan amount of $15,000 with $0 down at 8.148% APR* for 36 months results in equal monthly payments of $470.23. (Loan amount does not include $35.00 processing fee.)
Payment Examples - Loan amount of $15,000 with $0 down at 8.111% APR* for 48 months results in equal monthly payments of $366.33. (Loan amount does not include $35.00 processing fee.)
Payment Example – Loan amount of $25,000 with $0 down at 8.540% APR* for 72 months results in equal monthly payments of $444.62. (Loan amount does not include $35.00 processing fee.)
Payment Examples:
Loan amount of $10,000 with $0 down at 9.00% APR* for 60 months results in equal monthly payments of $207.60.
Loan amount of $5,000 with $0 down at 9.00% APR* for 60 months results in equal monthly payments of $103.80.
Payment Examples – Loan amount of $2,500 with $0 down at 3.050% APR* for 12 months results in equal monthly payments of $211.80.
Payment Example – Loan amount of $10,000 with $0 down at 11.75% APR* for 60 months results in equal monthly payments of $220.62.
Payment Example – Loan amount of $1,500 with $0 down at 5.25% APR* for 24 months results in equal monthly payments of $65.98.
Payment Example – Loan amount of $10,000 with $0 down at 11.75% APR* for 72 months results in equal monthly payments of $194.28.
Please contact the Mortgage Department for details at (989) 799-8744 ext. 159 (Remove the Rate and remove the administration fee)
Payment example based on a purchase price of $50,000, loan amount is $40,000. There will be 83 monthly payments of approximately $334.58, with one (1) balloon payment of approximately $32,720.61.
Payment Example - Loan amount of $100,000 with 20% down at 3.25% APR* for 60 months results in 59 equal monthly payments of principal and interest of $435.33 and one final payment of $89,504.00.
Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.
Payment Example: Loan amount of $100,000 with 20% down at 3.35% APR* for 84 months results in 83 equal monthly payments of $440.84 and one final payment of $84,943.90.
Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.
20% down payment required. First lien required. Payment example based on purchase price of $125,000 and amortized over a 30-year period: $100,000 loan amount at 6.428% APR, 5.99% interest rate, will result in 119 payments of approximately $598.91 and one (1) balloon payment of approximately $83,663.02. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed-end loan product. There are no draw privileges.
Payment Example – Loan amount of $100,000 with 20% down at 3.25% APR* for 60 months results in 60 equal monthly payments of principal and interest of $1,808.08.
Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.
Payment Example – Loan amount of $100,000 with 20% down at 3.50% APR* for 120 months results in 120 equal monthly payments of principal and interest of $988.96.
Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.
Please click here for current terms and rates.
Payment Example – Loan amount of $50,000 with 0% down at 5.75% APR* for 120 months results in 120 equal monthly payments of principal and interest of $546.23.
Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.
Payment Example – Loan amount of $50,000 with 0% down at 5.60% APR* for 60 months results in 60 equal monthly payments of principal and interest of $952.92.
Payment Example – Loan amount of $50,000 with 0% down at 5.60% APR* for 120 months results in 120 equal monthly payments of principal and interest of $552.34.
Payment Example – Loan amount of $25,035 with $0 down at 6.298% APR* for 60 months results in approximate monthly payments of $486.77. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,035 with $0 down at 6.789% APR* for 72 months results in approximate monthly payments of $423.69. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,035 with $0 down at 6.311% APR* for 48 months results in approximate monthly payments of $590.66. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,035 with $0 down at 6.334% APR* for 36 months results in approximate monthly payments of $764.26. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $15,000 with $0 down at 3.35% APR* for 24 months results in equal monthly payments of $647.07.
Payment Example – Loan amount of $25,035 with $0 down at 6.789% APR* for 72 months results in approximate monthly payments of $423.69. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $25,035 with $0 down at 6.793% APR* for 66 months results in approximate monthly payments of $454.99. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Examples – Loan amount of $3,500 with $0 down at 4.050% APR* for 36 months results in equal monthly payments of $103.42.
9.90%
Payment Example – Loan amount of $25,035 with $0 down at 7.033% APR* for 84 months results in approximate monthly payments of $377.72. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $35,000 with $0 down at 10.007% APR* over 180 months results in equal monthly payments of $376.09. (Loan amount does not include $35.00 processing fee.)
Payment Example – Loan amount of $10,000 with $0 down at 6.25% APR* for 36 months results in equal monthly payments of $305.36.
Payment Example – Loan amount of $100,000 at 7.49% APR* for 120 months results in 120 equal monthly payments of principal and interest of $1,199.31.
Payment Example – Loan amount of $100,000 at 4.75% APR* for 60 months results in 60 months of Interest Only payments of $390.39 per month.
*Rate listed represents our best rate and is available to those who meet certain credit underwriting criteria for a principal residence purchase money loan. Other rates and terms are available. Rates are subject to change at any time. To determine your rate, please contact Jolt.
20% down payment required. First lien required. Payment Example based on purchase price of $125,000 and amortized over a 15 year period: $100,000 loan amount at 3.412% APR, 3.25% interest rate, will result in 180 payments of approximately $702.67. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed end loan product. There are no draw privileges.
5% down payment and private mortgage insurance are required. First lien mortgage required on a qualified Michigan residential property. Payment example based on purchase price of $100,000 and amortized over a 30-year period: $96,159.00 loan amount at 6.625% APR, 5.99% interest rate, will result in 119 payments of approximately $575.91 and one (1) balloon payment of approximately $80,488.76. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed end loan product. There are no draw privileges.
Payment Example – Loan amount of $30,000 at 6.99% APR* for 72 months results in 71 equal monthly payments of $511.41 and one final payment of $511.12.
Payment Example – Loan amount of $25,035 with $0 down at 6.311% APR* for 48 months results in approximate monthly payments of $590.66. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment Example – Loan amount of $35,000 with $0 down at 8.781% APR* amortized over 84 months results in equal monthly payments of $559.07. (Loan amount does not include $35.00 processing fee.)
Payment Example – Loan amount of $35,000 with $0 down at 9.013% APR* over 120 months results in equal monthly payments of $443.52. (Loan amount does not include $35.00 processing fee.)
Payment Example – Loan amount of $25,035 with $0 down at 7.033% APR* for 84 months results in approximate monthly payments of $377.72. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Payment example based on a purchase price of $50,000, loan amount is $40,000. There will be 83 monthly payments of approximately $334.58, with one (1) balloon payment of approximately $32,720.61.
Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance, taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED-, amortized over a 30-year period. Borrowing $95,000 at 6.581% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $569.58 and one (1) final payment of approximately $562.48. Escrow required.
Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED - amortized over a 30-year period. Borrowing $90,000 at 7.159 % Annual Percentage Rate ("APR"), will result in 359 payments of approximately $576.28 and one (1) final payment of approximately $575.94 Escrow required.
Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance, taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED-, amortized over a 30-year period. Borrowing $95,000 at 5.203% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $495.57 and one (1) final payment of approximately $491.38. Escrow required.
Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED - amortized over a 30-year period. Borrowing $90,000 at 5.841% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $503.98 and one (1) final payment of approximately $498.87 Escrow required.
Loan amount of $25,035 with $0 down at 7.799% APR* for 60 months results in approximate monthly payments of $504.09. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Loan amount of $25,035 with $0 down at 8.24% APR* for 72 months results in approximate monthly payments of $441.99. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.
Paying ahead feels great—it gives you peace of mind and a sense of progress. But having the freedom to access those funds when the unexpected happens? That feels even better! With Kasasa Take-Back®, you get the best of both worlds: financial responsibility with built-in flexibility.
Payment Example – Loan amount of $1,000 with $0 down at 18.99% APR* for 12 months results in equal monthly payments of $92.15.
