1Your initial Annual Percentage Rate (APR) will range from 8.25% to 18.00% based on the product you choose and your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. 2APR= Annual Percentage Rate. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is subject to change without notice.