Rates and Terms

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Annual Percentage Rates (APR)

Loan terms:

  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
  • Loan proceeds may not be used to refinance any existing loan with BCS Lending.
  • Florida loans subject to Documentary Stamp Tax. The tax amount is not included in the quoted APR.

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Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 26% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2020 to 12/31/2020. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 5.99% APR with a term of 12 years would result in 144 monthly payments of $243.83.

Maximum APR for a BCS Lending loan is 29.99%.

BCS Lending will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by BCS Lending by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.

You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Business Hours (Eastern time)
Customer Service
Monday – Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.
Application Processing
Monday – Friday: 9 a.m. to 8 p.m.
Saturday & Sunday: Noon to 6 p.m.
555 Anton Costa Mesa CA 92626