Rates
All Rates Effective as of April 1, 2026
Consumer Loans are now offered through QNB Bank, the parent company of The Victory Bank. Stop by your local Victory Bank branch for more information.
Or, Apply Online (by clicking this link you be redirected to our secure application portal through our parent company, QNB Bank)
Consumer Loan Rates
Home Equity Loan Rates
Consumer Mortgage Rates
- Call for current rates: 215-538-LOAN (5626)
Consumer Loan Rates
Personal Loans
| Fixed Rate - Unsecured | APR* w/Auto Deduct | APR* w/o Auto Deduct | Credit Limit |
|---|---|---|---|
| Up to 36 Months | 14.00% | 14.50% | Up to $5,000** |
| Up to 72 Months | 14.50% | 15.00% | $5,001 - $10,000** |
| Lines of Credit - Unsecured | ||
|---|---|---|
| APR* | Credit Limit | |
| Personal Line of Credit | 10.75% | Revolving up to $10,000** |
| Overdraft Line of Credit | 10.75% | Revolving up to $5,000** |
*Annual Percentage Rate (APR); rates are subject to change without notice.
**Borrower must be a QNB customer.
Approval is subject to creditworthiness.
Automobile Loans
| Credit Score | >720 | 680 - 719 | 650 - 679 |
|---|---|---|---|
| New - 2025 - 2026 | |||
| APR* | 6.50% (7.00%) | 7.25% (7.75%) | 8.75% (9.25%) |
| Term | 6 year max | 6 year max | 6 year max |
| Loan-to-Value | 100% | 80% | 80% |
| 2024 - 2025 | |||
| APR* | 6.50% (7.00%) | 7.50% (8.00%) | 9.00% (9.50%) |
| Term | 5 year max | 5 year max | 5 year max |
| Loan-to-Value | 100% | 80% | 80% |
| 2022 - 2023 | |||
| APR* | 7.50% (8.00%) | 8.00% (8.50%) | 9.75% (10.25%) |
| Term | 4 year max | 4 year max | 4 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2020 - 2021 | |||
| APR* | 8.50% (9.00%) | 9.00% (9.50%) | 10.75% (11.25%) |
| Term | 3 year max | 3 year max | 3 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2018 - 2019 | |||
| APR* | 9.50% (10.00%) | 10.50% (11.00%) | 11.25% (11.75%) |
| Term | 3 year max | 3 year max | 3 year max |
| Loan-to-Value | 75% | 75% | 75% |
*Annual Percentage Rate (APR); rates are subject to change without notice. First APR listed is auto-deduct rate, and APR in parentheses is non-auto-deduct rate.
Approval is subject to creditworthiness.
*** Customer will be responsible for encumbrance fee of $108.00 *** *
**Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less***
Motorcycle Loans
| Credit Score | >720 | 680 - 719 | 650 - 679 |
|---|---|---|---|
| New - 2025 - 2026 | |||
| APR* | 9.49% (9.99%) | 9.99% (10.49%) | 10.49% (10.99%) |
| Term | 5 year max | 5 year max | 5 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2024 - 2025 | |||
| APR* | 10.24% (10.74%) | 10.74% (11.24%) | 11.24% (11.74%) |
| Term | 5 year max | 5 year max | 5 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2022 - 2023 | |||
| APR* | 10.49% (10.99%) | 10.99% (11.49%) | 11.49% (11.99%) |
| Term | 4 year max | 4 year max | 4 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2020 - 2021 | |||
| APR* | 11.49% (11.99%) | 11.99% (12.49%) | 12.49% (12.99%) |
| Term | 3 year max | 3 year max | 3 year max |
| Loan-to-Value | 80% | 80% | 80% |
| 2018 - 2019 | |||
| APR* | 13.49% (13.99%) | 13.99% (14.49%) | 14.49% (14.99%) |
| Term | 3 year max | 3 year max | 3 year max |
| Loan-to-Value | 70% | 70% | 70% |
*Annual Percentage Rate (APR); rates are subject to change without notice. First APR listed is auto-deduct rate, and APR in parentheses is non-auto-deduct rate.
Approval is subject to creditworthiness.
***Customer will be responsible for encumbrance fee of $108.00***
***Vehicle value calculated on Sales Price, CarFax, or Book Retail value - whichever is Less***
***Customer is required to carry Comp and Collision insurance year-round***
Home Equity Loan Rates
Fixed Rate Home Equity
| Term | APR1 w/ Auto Deduct | APR1 w/o Auto Deduct | Maximum Loan-to-Value |
|---|---|---|---|
| Up to 36 Months | 5.00% | 5.50% | 80% |
| 37 - 60 Months | 5.25% | 5.75% | 80% |
| 61 - 84 Months | 6.50% | 7.00% | 80% |
| 85 - 120 Months | 6.75% | 7.25% | 80% |
| 121 -180 Months | 7.00% | 7.50% | 80% |
| 180- 240 Months | 7.50% | 8.00% | 80% |
1. Annual Percentage Rate (APR); rates are subject to change without notice.
Approval is subject to creditworthiness. The monthly payment per $1,000 borrowed at an APR of 6.750% for 120 months would be $11.48. There are no closing costs. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is, and flood insurance may be, required. For credit secured by a first lien, payments do not include taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Equity Choice - Home Equity Line of Credit - Interest Only
| Term | APR1 w/ Auto Deduct | APR1 w/o Auto Deduct | Maximum Loan-to-Value |
|---|---|---|---|
| 10 Year Draw Period | 6.75% | 7.25% | 80% |
Equity Choice is a variable rate line of credit secured by your primary residence. Subject to credit approval and other factors. No annual fee. Property insurance is, and flood insurance may be, required. If only minimum periodic payments are made during the 10-year draw period, the outstanding balance will be paid during the repayment period. The repayment period is 180 months with payments due monthly equal to 1/180th of the principal balance outstanding at the end of the draw period, plus finance charges that accrued on the outstanding balance during the billing cycle. Borrower must pay mortgage satisfaction fees at loan termination.
1. Annual Percentage Rate (APR); rates are subject to change without notice. The maximum APR is 18%. The Annual Percentage Rate may vary. APR based on the Prime Rate as published in “The Wall Street Journal” — currently 6.75% APR with automatic payment from a QNB checking or savings account, 7.25% APR without automatic payment.
For a payment example, use the Loan Calculator and enter your selected dollar amount, term and Annual Percentage Rate.