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Vehicle Loan Rates

(rates expressed as APRs)

For Cars, Cross-Overs, Hybrids, SUVs, Trucks & Vans

Effective APRIL 11, 2014

Certified Vehicles Now Qualify as NEW!

AS LOW AS 1.90% (48-month term, with Loan-to-Value discount).  Our lowest rate EVER!

Vehicle
Category
Annual Percentage
Rate (as low as)
Loan Amount
(minimum)
Term
(maximum)
Payment Examples
(per $1,000 borrowed)
NEW 2.40% $5,000 60 months $17.81
2.65% $10,000 72 months $15.15
2.90% $20,000 84 months $13.28
USED 2.40% $5,000 60 months $17.81
2.65% $10,000 72 months $15.15
2.90% $20,000 84 months $13.28

New & Used Discounts or Add-Ons


Discounts, LTVs (available on first three credit tiers only)

  • 81% to 90% LTV, subtract 0.25% from rate
  • 80% or less LTV, subtract 0.50% from rate

Add-ons

  • Mileage over 80K, add 1%; over 100K, add 2%
  • Vehicle more than 5 yrs. old, add 1%; over 7 yrs., add 1.5%; over 10 yrs., add 2% 
  • Co-signed loan, add 0.50%
  • No Score = 16% rate (max LTV, 75%)


We also have loans for:

  • RVs (includes Trailers and 5th Wheels) Maximum loan amount is $250,000; maximum term is 180 months.
  • Auto Equity
  • Motorcycles & Scooters
  • Boats & Watercraft


Notes:  Financed Values determined by: NEW from Invoice; USED from Kelly Blue Book® retail

Max. amt. for mechanical repair coverage or service warranty: autos $1,995; SUVs, trucks, and 4x4s–$2,495. Salvaged vehicles are not eligible for loans.

All loan rates expressed as Annual Percentage Rate (APR). Actual APR is determined by individual credit rating and ability to pay.

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