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All Loans Subject to Credit Approval. Not all applicants will qualify. Subject to state regulation. This advertisement is for Consumer Loans. Loans made or arranged pursuant to a California Finance Lenders Law license. Vanderbilt Mortgage and Finance, Inc. 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000 *Vanderbilt Home UpGrade Loan only, example of 10 year fixed rate term with $8,000 loan amount for eligible improvements installed by a member of an approved contractor network for a home in an eligible state with an application received by March 31, 2024. $0 down payment, 120 monthly payments of $99.15 (P & I). 8.49% APR 8.49% Interest Rate as of 1-1-2020. Minimum credit score of 740 required. Other interest rates available for lower credit scores (minimum 640 credit score required for approval). Rates and terms subject to change. All loans subject to credit approval. Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 1-888-893-8792, www.vmf.com/homeUpGradeloan **Example of 0% financing with an introductory 0% interest 12 month period for a home improvement credit card with an $8,000 beginning balance. $0 down payment, 28.99% APR after 12 month Introductory no interest period expires. Payment example based on 120 monthly payments of $205 over a ten year term with $2,299 of accrued interest added after expiration of the 12 month interest free period. Monthly payment amount of $205 may be more than the minimum monthly payment amount due and is used for illustration purposes for a ten year payment term. Total interest estimates based on monthly payments made on due dates. Interest calculation examples are for informational purposes only and will vary depending on amount of and dates payments are made. Vanderbilt Mortgage does not offer credit card financing and reference to credit card payment terms are only for comparison purposes. ***Maximum loan amount varies based on credit score. $25,000 maximum loan amount available with minimum credit score of 740. $15,000 maximum loan amount for lower credit scores (minimum 640 credit score required for approval)