Total points from above determines your level:
Level 1+: 7 points 0% Rate (Due August 31, 2026)
Level 1: 7 points 0% Rate (Due April 30, 2026)
Level 2: 6 points 2% Under Prime Rate (Due March 31, 2026)
Level 3: 5 points 1% Under Prime Rate (Due February 28, 2026)
Level 4: 4 points Prime Rate (Due December 31, 2025)
Level 5: 1-3 points Prime Rate Plus 2% (Due December 31, 2025)