APR
6.96% - 15.96% Vehicle Loan Rates
Current as of September 1, 2023
New & Used Auto Loans
0 - 36 Months
Estimated Payment Example
$617 a month for 36 months, $20,000 loan at 6.96%
37 - 48 Months
APR
7.77% - 16.77% Estimated Payment Example
$486 a month for 48 months, $20,000 loan at 7.77%
49 - 60 Months
APR
8.43% - 17.43% Estimated Payment Example
$410 a month for 60 months, $20,000 loan at 8.43%
61 - 72 Months
APR
9.24% - 16.24% Estimated Payment Example
$363 a month for 72 months, $20,000 loan at 9.24%
73 - 84 months
APR
10.15% - 10.65% Estimated Payment Example
$334 a month for 84 months, $20,000 loan at 10.15%
First Time Buyer Program
0 - 60 Months
APR
11.32% Estimated Payment Example
$438 a month for 60 months, $20,000 loan at 11.32%
61 - 72 Months
APR
12.85% Estimated Payment Example
$454 a month for 72 months, $20,000 loan at 12.85%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)
0 - 60 Months
APR
8.90% - 11.90% Estimated Payment Example
$725 a month for 60 months, $35,000 loan at 8.90%
61 - 84 Months
APR
10.50% - 13.50% Estimated Payment Example
$590 a month for 84 months, $35,000 loan at 10.50%
85 - 120 Months
APR
12.10% - 15.10% Estimated Payment Example
$504 a month for 84 months, $35,000 loan at 12.10%
121 - 144 Months
APR
13.70% - 16.70% Estimated Payment Example
$496 a month for 144 months, $35,000 loan at 13.70%
145 - 180 Months
APR
15.30% - 18.00% Estimated Payment Example
$497 a month for 180 months, $35,000 loan at 15.30%
Motorcycle Loans
0 - 36 Months
APR
8.05% - 10.80% Estimated Payment Example
$627 a month for 36 months, $20,000 loan at 8.05%
37 - 48 Months
APR
8.82% - 11.57% Estimated Payment Example
$496 a month for 48 months, $20,000 loan at 8.82%
49 - 60 Months
APR
9.36% - 12.11% Estimated Payment Example
$419 a month for 60 months, $20,000 loan at 9.36%
61 - 72 Months
APR
10.30% - 11.80% Estimated Payment Example
$374 a month for 72 months, $20,000 loan at 10.30%
73 - 84 Months
APR
10.94% - 10.94% Estimated Payment Example
$342 a month for 84 months, $20,000 loan at 10.94%
Vehicle Discounts
Vehicle Loan Rate Discounts
Deduction
0.25% for Active Duty Military and Veterans
0.25% for Automatic Payment
0.25% for Debt Protection
First Time Buyer Program
Rate is eligible for discounts. Rate applied to “0” scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score.
Vehicle Loans – Policies, Terms & Conditions
- Max motorcycle age = 7 years; Max motorcycle mileage = 50,000
- Refer to “First Time Buyer Program” for “0” FICO scores
- Floor rate of 5.10% to include all possible discounts for autos
- Floor rate of 6.55% to include all possible discounts for motorcycles
- Floor rate of 7.50% to include all possible discounts for recreational vehicles
- Credit Tier determined by best FICO AUTO V8 Score between borrower and co-borrower.
- Co-Signers have no impact on rate tier.
- Minimum loan amount for autos: $10,000 for 61 – 72mos; $20,000 for 73 – 84mos.
- All credit approvals subject to verification of income, employee and social security verification performed by ACU.
- All used vehicles are subject to a review of an Experian “AutoCheck” report prior to funding.
- Auto/motorcycle insurance: comprehensive and collision deductibles not to exceed $500
- ACU does NOT finance Straw Deals, Branded/Salvaged Titles, Lemon Law or Gray Market vehicles.
- All exceptions analyzed on a case by case scenario
- SKIP-A-PAY – “Skip” your loan payment twice per year. Skip requests are subject to approval and interest will continue to accrue.
- NO PAYMENTS FOR 90 DAYS – Applies to new loans, or loans transferred from another financial institution. Interest will begin to accrue from the date of disbursement. Offer applies to Tier Prime – 2 only and subject to final underwriting. Unless otherwise stated, the first payment must be within 45 days
Auto / Truck Loans
It's simple... Really!
Applying online couldn't be easier and decisions are typically made within 24 hours.
Apply Now
