Vehicle

Loans

Vehicle Loans 

Are you in the market for an automobile, truck, motorcycle, boat, or trailer? Or maybe you want to refinance your vehicle at a lower interest rate? Submit an application for pre-approval so that all you have to worry about is what color car and options you want.

 

Apply for a New or Used Auto Loan

You've done your research and you know what you want to buy. Now it's time to think about an auto loan. When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, up to 115% of MSRP financing, and great service. With an auto loan from the Credit Union, you can upgrade your ride and save hundreds. So let our low rates put you in your next car!

Refinance Your Current Auto Loan

Refinance your auto loan with the Credit Union for low rates and a great money-saving opportunity. 

Click NADA Guide to see what your vehicle is worth, or to research the latest new car prices, deals, and used car values.

Optional Guaranteed Asset Protection

We offer low cost GAP. If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan "gap"—money you owe on the loan after the insurance company pays its portion. GAP may cover the difference between the outstanding loan amount and the actual cash value. 

LOAN RATES 

Rates as of  August 1, 2021. Rates are subject to change without notice.

RATE                                                                                                TERM                                    AMOUNT          

New Automobile/Motorcycled Loans

(good credit) 

2.90% - 3.90%                                                                               36 Months                         *110%-115% of MSRP

2.90% - 3.95%                                                                                48 Months                         *110%-115% of MSRP   

2.90% - 3.95%                                                                                60 Months                          *110%-115% of MSRP   

3.75% - 4.75% - (over $20,000)                                                    72 Months                         *110%-115% of MSRP   

3.90% - 4.90% - (over $30,000)                                                    84 Months                         *110%-115% of MSRP   

New Automobile/Motorcycle Loans

(credit problems) 

5.00% - 12.50%                                                                             36 Months                          *call for details  

5.00% - 13.00%                                                                             48 Months                           *call for details

5.00% - 14.00%                                                                             60 Months                           *call for details 

5.75% - 15.00% - (over $20,000)                                                 72 Months                           *call for details  

6.25% - 7.50% - (over $30,000)                                                   84 Months                           *call for details  

Used Automobile/Used Motorcycle Loans

(good credit)

2.90% - 5.25%  (One Year Old)                                                    72 Months                         *90%-100% of  Clean Retail + TT&L              

3.90% - 5.50% (Two & Three Year Old)                                       60 Months                         *90%-100% of  Clean Retail + TT&L

4.90% - 6.00%  (Four Year Old)                                                   54 Months                          *90%-100% of  Clean Retail + TT&L

4.90% - 6.00%  (Five Year Old)                                                    54 Months                          *90%-100% of  Clean Trade

5.90% - 7.90% - (Six & Seven Year Old)                                     42 Months                          *90%-100% of  Clean Trade

7.50% - 9.50% - (Eight - Fifteen Year Old)                                 36 Months                           *100% of  Clean Trade

Used Automobile/Used Motorcycle Loans

(credit problems)

7.25% - 14.00%  (One Year Old)                                                 72 Months                          *call for details            

7.50% - 15.00% (Two & Three Year Old)                                    60 Months                          *call for details

8.00% - 16.00%  (Four & Five Year Old)                                     54 Months                           *call for details

8.90% - 17.00% - (Six & Seven Year Old)                                  42 Months                           *call for details

10.50% - 16.00% - (Eight - Fifteen Year Old)                              36 Months                           *call for details

Selected Used Automobile Loans 

(Volvo, Cadillac, Lincoln, Range Rover, Lexus, BMW, Porsche, Corvette, Audi, Jaguar, Acura, Infiniti, & Mercedes)

2.90 - 14.00% - (One Year Old)                                                   78 Months                           * call for details

3.90 - 15.00% - (Two & Three Year Old)                                   66 Months                           * call for details

4.90 - 16.00% - (Four & Five Year Old)                                     60 Months                           *call for details

5.90 - 17.00% - (Six & Seven Year Old)                                    42 Months                           * call for details

7.50 - 16.00% - (Eight thru Fifteen Year Old)                          48 Months                           * call for details

See if you qualify, fill out this                                 then fax or email it over with your most recent paycheck stub.

You must be on your job for at least 6 months to apply for a secured loan.