General Lending Program
1.75% Interest — Real Rates for Real People
What You Can Finance
Vehicles
Cars, trucks, work vehicles. Must have clear title as collateral.
Land
Undeveloped land, building lots, acreage. Deed serves as collateral.
Home Equity
Tap into your home value without predatory HELOC rates.
Renovations
Home improvements, construction projects. Property secures the loan.
Program Terms
Interest Rate: 1.75% annual (fixed, not variable)
Loan Range: $5,000 — $500,000
Terms: 12 months — 30 years (depending on asset type)
Origination Fee: 2% one-time
Prepayment Penalty: None — pay off early anytime
Approval Time: 5-7 business days
Minimum Credit: No minimum (collateral-based lending)
Cost Comparison
Example: $25,000 Vehicle Loan over 5 years
| Lender | Rate | Monthly | Total Paid | Interest Cost |
|---|---|---|---|---|
| Bank | 7.5% | $500 | $30,000 | $5,000 |
| Credit Union | 5.0% | $472 | $28,300 | $3,300 |
| DREAM Token | 1.75% | $435 | $26,100 | $1,100 |
Save $3,900 compared to a traditional bank loan.
Dream Big Buildings 