Loan Rates

Gulf States offers Risk-Based Lending. Your rate will depend on your credit score. Rates subject to change without notice.

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Holiday Loans / Personal
Term $ Amount Rate low as: Calculator
12 mos. 500-20,000 6.50%  calculator
13-60 mos. 500-20,000 10.50%

New Auto Loans (includes cars, trucks & motorcycles)
Term Rate as low as: Calculator
24 mos. 2.50% calculator
36 mos. 2.75%
48 mos. 2.97%
60 mos. 2.97%
72 mos. 3.25%

Used Auto Loans (includes cars, trucks & motorcycles)
Term Rate as low as: Calculator
24 mos. 3.50% calculator
36 mos. 3.75%
48 mos. 3.97%
60 mos. 3.97%
72 mos. 4.25%

First Mortgage
Term Rate as low as: Calculator
15 year Call us for rate calculator
30 year Call us for rate

Home Equity Loan / Second Mortgage
Term Rate as low as: Calculator
60 mos. 7.00% calculator
120 mos. 7.50%
180 mos. 8.75%

Home Equity Line of Credit (HELOC)
Term Rate as low as: Calculator
20 Year Max* 1% over Prime calculator

Home Improvement
Term Rate as low as: Calculator
60 mos. 8.75% calculator

VISA Platinum
Term Rate as low as: Calculator
N / A 9.90% N / A

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