Loans

LOAN RATES HAVE BEEN REDUCED.

We offer loans for a variety of reasons. Take that vacation, buy a new four-wheeler, car, truck or camper. Call us for quick processing. Campers, recreational vehicles, and motorcycles are considered the same as vehicle loans.

We offer 100% financing based on the N.A.D.A. average retail price or the sticker price vehicles one to two years old. vehicles that are three to ten years old, 80% of the average retail can be borrowed. Used cars older than 10 years cannot be considered collateral for vehicle loans. You can also borrow up to $7,500 on your signature. Members may be charged up to a 3.00% premium on your loan rate based on your debt ratio and/or credit score.

Current Rates

	12 - 36 Mos.	37- 48 mos.	49 - 60 mos.	61 - 66 mos.	67- 72 mos.
New Cars	3.50% APR	3.50% APR	4.50% APR	4.75% APR	4.99% APR
Used Cars ( 1-4 model years old)	4.75% APR	4.75% APR	5.25% APR	5.99% APR
Used Cars ( 5-10 model years old)	6.25% APR	6.50% APR	6.99% APR
*Titled ATV's, cycles, campers are the same rates as listed under new and used cars.

 

RV/Camper Special	7 - 8 Years	9 - 10 Years
*Minimium amount $20,000	5.99% APR	6.99% APR

 

Signature Loans	12 - 36 Months	48 Months
*Maximum amount $7,500	8.90% APR	9.90% APR

*THE ABOVE RATES ARE APPLICABLE TO THOSE WHO MEET THE MINIMUM CREDIT STANDARD

TIER (1) IF NET DEBT RATIO IS LOWER THAN 45% AND CREDIT SCORE IS BELOW 200, THE ABOVE RATES APPLY.

TIER (2) IF THE NET DEBT RATIO IS ABOVE 45%, BUT LOWER THAN 50% OR THE CREDIT SCORE IS ABOVE 200 BUT LOWER THAN 275, THERE IS A 2% SURCHARGES ADDED TO THE ABOVE RATES.

TIER (3) IF THE NET DEBT RATIO IS ABOVE 50%, BUT LOWER THAN 55%, OR THE CREDIT SCORE IS ABOVE 275, THERE IS A 3% SURCHARGE ADDED TO THE ABOVE RATES.

*VEHICLES 1 TO 2 YEARS OLD CAN BE FINANCED AT 100% OF AVERAGE RETAIL

*VEHICLES OLDER THAN 2 YEARS AND LESS THAN 10 CAN BE FINANCED AT 80% OF THE AVERAGE RETAIL.

To apply just print out the loan application here and mail or fax it back to:

If you wish to see what your monthly payment is, just click on our loan calculator below.