RATES

 

NEW VEHICLE RATES
SCORE / TERM 30 36 48 60 72 84 96 LTV
690 AND ABOVE A 5.50% 5.75% 6.25% 6.50% 7.00% 7.25% 8.25% 125% nada base retail value
689 to 640 B 6.95% 7.25% 7.75% 7.86% 8.00% 8.25% 8.75 125% nada base retail value
639 to 600 C 7.75% 8.50% 8.86% 8.95% 9.50% 9.75% 10.95 120% nada base retail
599 to 550 D 9.24% 9.24% 9.35% 9.49% 9.74% 9.95% N/A 100% nada base retail
549 & BELOW E 9.50% 9.74% 9.74% 10.00% 10.74% 11.50% N/A 100% nada base retail

 

 USED VEHICLE RATES
SCORE / TERM 30 36 48 60 72 84 LTV
690 AND ABOVE A 6.25% 6.50% 6.75% 6.85% 7.50% 8.25% 125% nada base retail value
689 to 640 B 8.50% 8.50% 8.75% 8.95% 8.99% 9.25% 125% nada base retail value
639 to 600 C 8.75% 8.75% 8.99% 9.25% 9.75% 9.99% 120% nada base retail value
599 to 550 D 10.00% 10.00% 10.25% 10.25% 10.50% 10.75% 100% nada base retail
549 & BELOW E 10.50% 10.50% 10.75% 12.25% 12.50% 13.25% 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 4/2/2024

*APY = Annual Percentage Yield