Loan Fees Our fees are not a secret.

Loan Fees

In an effort to make sure the money you make is the money you keep, we have very few loan fees – and we make sure the fees we do have are clearly stated.

Potential additional charges to your loan are listed here - other fees may apply, depending on the loan. Call 1-800-848-0018 for more information.

  • Consumer Loan Fees

    • Returned Payment Fee: $37.50
    • Late Payment Fee: 5% of payment due or $5.00, whichever is greater, (if not paid within 7 days of due date)
    • Skip Payment Fee: $35.00 per skipped payment (maximum 1 skipped payment per eligible loan, per year) and HALF of each fee is donated to local Boys & Girls Clubs through our corporate partnership
    • Guaranteed Asset Protection (GAP) Coverage for Vehicle Loans: $425.00 (optional one-time cost)
  • Visa Credit Card Fees

    NO ANNUAL FEE!

    • Late Payment Fee: $25.00 (maximum, based on payment due) if not paid within 7 days of due date
    • Cash Advance Fee: 2% of total cash advance
    • Foreign Currency Conversion/International Service Assessment Fee: 1% of total purchase(s)
    • Card Replacement Fee: $5.00
    • Sales Drafts or Other Documents: $5.00 each (available within 120 days of the transaction[s])
    • Research Fee: $20.00 per hour
  • Gateway Loan Fees

    • Gateway LOC Monthly Fee: $5.00 monthly fee if balance is greater than $5.00 (up to $60.00 annually)
    • Gateway LOC Late Payment Fee: $25.00 (if not paid within 7 days of due date)
    • Gateway LOC Advance Fee: $5.00 (if done at a branch or through the call center)
  • Mortgage & Home Loan Fees

    • Reconveyance Fee: $265.50
    • Advantage Equity Late Payment Fee: 20% of payment due (if not paid within seven days of due date)
    • Option Equity Late Payment Fee: 20% of interest due, or $10, whichever is greater (if not paid within seven days of due date)
    • FastTrack Home Loan Late Payment Fee: 20% of payment due (if not paid within seven days of due date)
    • Mortgage Loan Fees: Contact Qualstar at 1-800-848-0018 for applicable fees