Information provided herein is not an advertisement for extension of credit to consumers. Rates, Terms, and Conditions are subject to change without written notice. 1 year term (with possible renewal), Interest Only Payment (Balloon Payment due at the end of the term, Principal plus Last Month Interest). APR 11.99% to 14.50%. UIAL does not require any up front fees. How ever, if we do require a credit report and/or an appraisal report, the borrower must pay for it up front. Pending on property type, Fully Amortized Loans and Stated Income/Verified Assets programs are available.