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About Our Loans
Rates
Interest rate effective date is 12/15/2023.
Repayment Terms | Fees | APR Rate Tiers *
(All rates fixed for the life of the loan) |
---|---|---|
10-Year Term | 0.00 | 5.95% - 9.20% |
15-Year Term | 0.00 | 8.10% - 9.41% |
20-Year Term | 0.00 | 8.49% - 9.99% |
Rates are reduced even further when you take advantage of our autopay service!
* APRs and quoted savings are representative samples for educational purposes only and may not reflect current or actual loan rate offers or available percentage rates. Your actual APR will depend upon your credit transactions and credit history and will be determined once a credit decision is made. Advantage Refinance Loans have no application, origination, default, late or NSF fees.
Advantage Refinance Loans are private loans. We reserve the right to modify or discontinue loan features or benefits or to discontinue loan programs at any time without notice. Rates vary based on the repayment term you've selected, your credit history and other factors. Advantage Refinance Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.
For new Advantage Refinance Loans, a cosigner release may be available after 12 months of on-time regularly scheduled principal and interest payments, or an equivalent lump sum payment. The cosigner release is dependent upon the loan’s disbursement date, borrowers’ current credit and other factors. The borrower needs to request the cosigner release. A credit review will then be performed to ensure the borrower meets certain credit and eligibility requirements.
Advantage Refinance Loans are considered new loans, which provide new benefits and features. As a state-based nonprofit lender, we always strive for what is best for our customers. Additionally, federal debt relief for qualifying loans may be lost when refinancing.
After carefully considering your options, please contact us at Advantageloans@kheslc.com with any questions or simply continue with your Advantage Refinance Loan application.
Interest rate effective date is 12/15/2023.
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