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 Please contact a loan officer for rate details! You can save hundreds by paying weekly or bi-weekly!

 Your effective rate may be much lower if you take advantage of our partial payment options!

 Unlike the big banks, we allow this service for free and with payment flexibility!

 No-cost closings: no doc, origination, service, processing, or prep fees!

 No sales goals. Loan decisions are made locally!


 CONSUMER LOAN  RATES •  EFFECTIVE: JANUARY 3, 2022

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APR 
Maximum
Term
Loan to
Value Ratio
Secured Financing


Autos, Light Trucks, Boats, RVs, Personal Watercraft,
Snowmobiles, Motorcycles, Trailers, and ATVs



2022 - 2020 model years 2.790%
48 months ≤100%

2.990%
60 months ≤100%

3.490% 72 months ≤100%
2019 - 2015 model years 3.790% 48 months ≤100%

4.490% 60 months ≤100%
2014 - 2012 model years 4.790% 36 months ≤100%
Extended terms for Boats and RVs


2022 - 2020 model years 5.790% 120 months 80%
2019 - 2015 model years 6.290% 72 months 75%
Untitled Collateral



UCC Financing Statement 9.990% 24 months 75%
Unsecured Financing
We are not currently quoting unsecured financing loan rates.
  • All advertised rates are subject to credit approval. Your rate may vary based on credit score. Credit scores less than 670 may result in a 0.75% rate adjustment.
  • Loan to value ratios are based upon retail price and/or the NADA Guides Values. Subject to credit approval.
  • Older model years than those listed are subject to consideration and a 2% rate adjustment.
  • Commercial-use collateral is subject to consideration and a 1% rate adjustment.
  • A ¼% rate reduction is available with automatic payment from a First Federal deposit account.
  • Full-coverage insurance is required for the financing of all collateral.