Rates Subject to Change Without Notice. Subject to Credit Approval. Your Rate may be higher. Additional terms may apply. APR refers to Annual Percentage Rate based on simple interest. The rate varies based on credit score and other underwriting considerations. Stated rate is based upon a credit score of 740 or above. Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio. Subject to credit and property approval. Additional terms apply.