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.
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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)
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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
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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)
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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