RATES
| NEW VEHICLE RATES | ||||||||||
| SCORE / TERM | 30 | 36 | 48 | 60 | 72 | 84 | 96 | LTV | ||
| 690 AND ABOVE | A | 4.50% | 4.75% | 5.25% | 5.50% | 6.00% | 6.25% | 6.25% | 125% nada base retail value | |
| 689 to 640 | B | 4.75% | 5.50% | 6.00% | 6.50% | 7.00% | 7.25% | 8.00% | 125% nada base retail value | |
| 639 to 600 | C | 6.00% | 6.25% | 7.00% | 7.50% | 8.00% | 8.75% | 9.25% | 120% nada base retail | |
| 599 to 550 | D | 8.24% | 8.50% | 9.00% | 9.25% | 9.50% | 9.75% | N/A | 100% nada base retail | |
| 549 & BELOW | E | 9.25% | 9.50% | 9.50% | 9.95% | 10.00% | 10.75% | N/A | 100% nada base retail | |
| USED VEHICLE RATES | |||||||||
| SCORE / TERM | 30 | 36 | 48 | 60 | 72 | 84 | LTV | ||
| 690 AND ABOVE | A | 5.50% | 5.75% | 5.95% | 6.50% | 7.00% | 7.50% | 125% nada base retail value | |
| 689 to 640 | B | 6.00% | 6.25% | 6.75% | 7.25% | 8.00% | 8.95% | 125% nada base retail value | |
| 639 to 600 | C | 7.00% | 7.25% | 7.75% | 8.25% | 8.75% | 9.00% | 120% nada base retail value | |
| 599 to 550 | D | 9.24% | 9.50% | 10.00% | 10.00% | 10.50% | 10.75% | 100% nada base retail | |
| 549 & BELOW | E | 9.95% | 10.25% | 10.50% | 11.25% | 12.00% | 12.25% | 100% nada base retail | |
Credit scores must consist of a minimum of 4 trade lines for 1 year. Otherwise “C” rate will apply
$550.00 Allowance for GAP
2023 & up maximum term 96 months
2018 & 2019 maximum term 84 months
2015 to 2016 maximum term 72 months
| SCORE / TIER | |
| 690 AND ABOVE | A |
| 689 to 640 | B |
| 639 to 600 | C |
| 599 to 550 | D |
| 549 & BELOW | E |
Any vehicle older than 2012 will be considered as a signature loan and follow signature rates
MAX AGGREGATE AMOUNT IS $35,000 for A AND B TIER ONLY – SEE LIMITS AND RATIOS FOR C, D, AND E TIERS
FOR A REFINANCED VEHICLE, VEHICLE MUST BE CURRENT YEAR OR WITHIN 12 MONTHS OF THE CURRENT YEAR FOR NEW RATE
EXAMPLE 2022 WITH MILES OF 20,000 CAN GET A NEW RATE 2021 CAN NOT
SAME FOR A PURCHASE, IF IT HAS NOT BEEN TITLED TO ANYONE PRIOR
Rates are subject to change at any time.
LTV`s over limits are subject to management approval.
MAX MILES ON AUTO IS 110,000
Our rates as of 9/8/2025
*APY = Annual Percentage Yield