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New and Used Automobile
|
Suffix 5001-5010 New
Suffix 5021-5030 Used
Suffix 5041-5050 New Indirect
Suffix 5061-5070 Used Indirect
|
|
Paper |
Credit Bureau Score |
As Low As |
|
A+ S3 |
800 & Higher |
3.99% |
|
A+ S2 |
780 - 799 |
3.99% |
|
A+ S1 |
760 - 779 |
4.19% |
|
A+ |
740 - 759 |
4.49% |
|
A |
720 - 739 |
4.89% |
|
B+ |
700 - 719 |
5.64% |
|
B |
680 - 699 |
6.49% |
|
C+ |
660 - 679 |
8.99% |
|
C |
640 - 659 |
11.99% |
|
D |
600 - 639 |
12.99% |
|
E |
> 600 |
18.00% |
LTV over 100% Rate Add On: +0.50 up to 110% or +1.00 up to 120% (Credit Officer Approval). Less than 70% LTV Rate Discount: -0.25. Term Rate Add On: 61-72 months +0.25 73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2014 and Older) Add On: +0.50.
*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP.
Also, Sight inspection required on Older Used (2014 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.
Classic and Exotic Autombile
|
Suffix 5241-5250 |
|
Paper |
A+ |
A |
B |
C |
D |
|
Maximum LTVs |
100% |
100% |
100% |
80% |
N/A |
|
as low as |
4.49% |
4.49% |
5.99% |
6.99% |
N/A |
Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.
New/Used Recreational Vehicles
|
Suffix 5161-5170 |
|
Paper |
A+ |
A |
B |
C |
D |
|
Up to 120 Months |
4.99% |
5.25% |
5.99% |
9.99% |
N/A |
Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term up to 72 months.
New Motorcycle
|
Suffix 5181-5190 |
|
Paper |
A+ |
A |
B |
C |
D |
|
Up to 60 Months |
4.99% |
5.49% |
6.99% |
10.49% |
N/A |
Finance 90% NADA Loan Value. 10% trade or cash down payment required.
Used Motorcycle
|
Suffix 5201-5210 |
|
Paper |
A+ |
A |
B |
C |
D |
|
Maximum LTV |
90% |
85% |
80% |
75% |
N/A |
|
Up to 48 Months |
5.99% |
6.49% |
7.49% |
11.25% |
N/A |
The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification.