A licensee who makes a loan under this chapter that constitutes consumer credit to a covered service member or his or her dependent shall not charge the covered service member or dependent an annual percentage rate with respect to the loan except as:
1. Agreed to under the terms of the loan agreement;
2. Authorized by applicable state and federal law; and
3. Not specifically prohibited by NRS 99.050, 675.3695 and 675.3697.