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!
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No sales goals. Loan decisions are made locally!
CONSUMER LOAN RATES • EFFECTIVE: JANUARY 23, 2023
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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 |
|||
| 2023 - 2021 model years | 5.490% |
48 months | ≤100% |
| 5.740% |
60 months | ≤100% | |
| 5.990% | 72 months | ≤100% | |
| 2020 - 2016 model years | 6.240% | 48 months | ≤100% |
| 6.490% | 60 months | ≤100% | |
| 2015 - 2013 model years | 7.490% | 36 months | ≤100% |
| Extended terms for Boats and RVs | |||
| 2023 - 2021 model years | 6.490% | 120 months | 80% |
| 2020 - 2016 model years | 6.990% | 72 months | 75% |
| Untitled Collateral |
|||
| UCC Financing Statement | 12.990% | 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 J.D. Power Pricing & 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.