Loan Review

Qualstar Members are Saving Money Simply by Contacting us for a Loan Review!

Most of us don’t think about the rates and terms of loans and credit cards we have after the paperwork has been signed and filed, so when it comes time to request that loan you really need there are factors that can make it challenging:

  • Balances on various high rate credit cards
  • Too many open revolving credit accounts
  • Owing more than your vehicle (or home) is worth
  • More payments going out than money coming in

A Simple Loan Review Can Help! Qualstar Lending Specialists are trained to look at your overall situation and find the best deal available, which can result in lower rates and payments.

Get Started NOW by Submitting a Loan Review Request!


Here is a true story about how we were able to turn a simple loan request into the opportunity to improve our member’s financial situation. This member is saving about $350.00 a month in payments and we lowered his boat rate by 3.5%! Here’s how we helped…
A member called in originally requesting to refinance his auto loan to lower the payment. After speaking with him I learned he had been laid off from his previous job and he had taken a pay cut with his new job. After reviewing his credit report I asked him about a boat loan with another creditor that he was paying a rate of 12% on! When he mentioned the large down payment he made on that initial purchase I did a book value on the boat and found it had plenty of equity to refinance at a lower rate, with enough to pay down the auto loan and make his payment lower!

So when we say, “We’re not here to make money but to help our members make better use of theirs,” we mean it!

To request your personalized Loan Review, please call us:


A Lending Specialist will start the process by discussing your goals or concerns, looking at the options available to get you the best deal possible, and even taking your application right over the phone with a decision provided in minutes.1

1 Loan approval and rate received based on applicant’s credit
history – review our current rates or contact us for more information.

Loan Rewards

Qualstar loans are always priced competitively with realistic and convenient terms. And if that’s not enough to bring your next loan to Qualstar, check out these every day rewards that come with every Auto Loan and Visa Credit Card:

90 Days No Payments on Auto, Boat, RV and Motorcycle Loans1

Whether you’re purchasing a new vehicle or switching your existing auto loan financing to Qualstar, you can take a vacation from your loan payments and use the money for other things…unexpected expenses, paying off other bills, or even an actual vacation! With the national average auto loan payment at $496.00 per month2, that could end up being a lot of extra CASH for your pocket!

Or, if you’re looking to finance a more “fun” vehicle, you can also skip 90 days’ worth of payments on recreational loans!

1% Visa Balance Transfer Cash Back Rebate on NEW Visa Gold Cards3

Do you know what rate you’re paying on your other credit cards? Some banks, financing companies and department store credit card rates can be in excess of 30% APR5, AND they can change without your even knowing it! So, why not move those balances to a low rate Qualstar Visa Gold where you can trust that you won’t be overloaded by fees and penalty rates?

On top of a better rate and less fees, we’ll also pay 1% cash back on all balance transfers done within the first 30 days on your Qualstar Visa Gold.

Visa Balance Transfer Form

DOUBLE POINTS for Visa +Rewards Purchases on NEW Cards4

For the first 30 days the card is in your hands, you will earn DOUBLE POINTS for all purchases made with your Visa+Rewards card. Those points can be used for redeeming cash and/or gift card rewards, and there are NO blackout dates or restrictions.

1 90-day no payment offer is for new/used purchase or non-Qualstar refinanced vehicle loans only; loan approval, rate and term received is based on applicant’s credit history.

2 Source:

3 *1% cash back rebate is for balance transfers done within the first 30 days the card is open only (unless we are running a special promotion) and does not apply to purchases or cash advances; a total of three (3) balance transfers can be done in a 12-month period; maximum total rebate amount is $150.00 per year; rebate will be applied to the member’s Visa loan balance; offer does not apply to Equity Visas.

4 Double points to not apply to cash advances or interest charges.

5 Annual Percentage Rate