APR
6.13% - 15.13% Vehicle Loan Rates
Current as of March 1st, 2023
New & Used Auto Loans
0 - 36 Months
Estimated Payment Example
$610 a month for 36 months, $20,000 loan at 6.13%
37 - 48 Months
APR
7.02% - 16.02% Estimated Payment Example
$479 a month for 48 months, $20,000 loan at 7.02%
49 - 60 Months
APR
7.79% - 16.79% Estimated Payment Example
$404 a month for 60 months, $20,000 loan at 7.79%
61 - 72 Months
APR
8.73% - 10.48% Estimated Payment Example
$358 a month for 72 months, $20,000 loan at 8.73%
73 - 84 months
APR
9.91% - 10.41% Estimated Payment Example
$331 a month for 84 months, $20,000 loan at 9.91%
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
8.25% - 11.25% Estimated Payment Example
$714 a month for 60 months, $35,000 loan at 8.25%
61 - 84 Months
APR
9.95% - 12.95% Estimated Payment Example
$580 a month for 84 months, $35,000 loan at 9.95%
85 - 120 Months
APR
11.65% - 14.65% Estimated Payment Example
$495 a month for 84 months, $35,000 loan at 11.65%
121 - 144 Months
APR
13.35% - 16.35% Estimated Payment Example
$489 a month for 144 months, $35,000 loan at 13.35%
145 - 180 Months
APR
15.05% - 18.00% Estimated Payment Example
$491 a month for 180 months, $35,000 loan at 15.05%
Motorcycle Loans
0 - 36 Months
APR
7.60% - 10.35% Estimated Payment Example
$623 a month for 36 months, $20,000 loan at 7.60%
37 - 48 Months
APR
8.27% - 11.02% Estimated Payment Example
$491 a month for 48 months, $20,000 loan at 8.27%
49 - 60 Months
APR
8.32% - 11.07% Estimated Payment Example
$409 a month for 60 months, $20,000 loan at 8.32%
61 - 72 Months
APR
9.45% - 10.95% Estimated Payment Example
$365 a month for 72 months, $20,000 loan at 9.45%
73 - 84 Months
APR
10.27% - 10.27% Estimated Payment Example
$335 a month for 84 months, $20,000 loan at 10.27%
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
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