Get Behind the Wheel with Confidence

Our new auto loans are designed for purchasing brand-new vehicles from dealerships. Enjoy competitive rates and flexible terms.

Loan Features:

• Loan Amounts: $5,000 - $100,000
• Terms: 24, 36, 48, 60, 72, or 84 months
• APR Range: 5.49% - 11.99% based on creditworthiness
• Vehicle Age: Current model year up to 3 years old
• Financing: Up to 100% of purchase price (including taxes and fees)

Requirements:

• Minimum credit score: 620
• Minimum annual income: $20,000
• Valid driver's license
• Proof of income (pay stubs, tax returns)
• Full coverage insurance required

Dealer Purchases:

For dealer purchases, we can provide a check or direct funds to the dealership. Pre-approval gives you negotiating power and peace of mind.

Finance your next used vehicle from a dealer or private party with competitive rates and terms designed for pre-owned vehicles.

Loan Features:

• Loan Amounts: $5,000 - $75,000
• Terms: 24, 36, 48, 60, or 72 months
• APR Range: 6.24% - 12.99% based on creditworthiness
• Vehicle Age: 2015 or newer (model year)
• Mileage Limit: Under 120,000 miles at time of application

Private Party Purchases:

• We can provide funds directly to you or the seller
• Bill of sale required
• Vehicle must pass title verification

Requirements:

• Minimum credit score: 620
• Vehicle inspection may be required for older vehicles
• Full coverage insurance required

Refinance your existing auto loan to potentially lower your monthly payment, reduce your interest rate, or change your loan term.

When Refinancing Makes Sense:

• Interest rates have dropped since you financed
• Your credit score has improved
• You want to lower monthly payments
• You want to pay off your loan faster
• You want to remove a co-borrower

Eligibility:

• Vehicle must be 2015 or newer
• Current loan must be at least 6 months old
• No recent late payments (past 12 months)
• Maximum LTV: 125% of vehicle value

Benefits:

• No application fees
• Quick approval process
• We handle payoff with your current lender

Refinancing may extend your loan term and increase total interest paid. Consider your goals carefully.

Hit the road on two wheels or four with financing for motorcycles, ATVs, RVs, and campers.

Eligible Vehicles:

• Motorcycles (street and cruiser)
• ATVs and UTVs
• Travel trailers and fifth wheels
• Motorhomes (Class A, B, C)
• Campers and pop-ups

Loan Features:

• Loan Amounts: $5,000 - $150,000
• Terms: 24 - 120 months depending on vehicle type
• APR Range: 6.99% - 14.99%
• Vehicle Age: 2010 or newer (may vary by vehicle type)

Seasonal Payment Options:

For recreational vehicles, we offer seasonal payment plans that allow you to make lower or no payments during off-season months. Ask your loan officer for details.

Guaranteed Asset Protection (GAP) covers the difference between what you owe on your auto loan and what your insurance pays if your vehicle is totaled or stolen.

Why You Might Need GAP:

• You made a small down payment (less than 20%)
• You have a long loan term (72+ months)
• You financed taxes and fees
• Your vehicle depreciates quickly
• You're leasing your vehicle

How It Works:

• If your car is totaled, insurance pays current market value
• If you owe more than that amount, GAP covers the difference
• One-time fee can be rolled into your loan

GAP insurance is optional and may not be right for everyone. Ask your loan officer if it makes sense for your situation.

Minimum credit score requirements vary by loan type. For our best rates, we recommend a score of 700 or higher. However, we offer loans for borrowers with scores as low as 620. If you're building credit, a larger down payment may help with approval. Checking your rate online uses a soft credit pull that won't affect your score.

Absolutely! Getting pre-approved is a smart first step. You'll know exactly how much you can borrow, your interest rate, and estimated monthly payment before you ever visit a dealership. Pre-approval also gives you negotiating power and helps you stay within budget. The pre-approval process takes just minutes online.

With a dealer purchase, we can send funds directly to the dealership and handle all paperwork electronically. With a private party purchase, we'll provide funds to you or the seller after verifying the bill of sale and title. Private party purchases may require additional documentation but offer more flexibility in vehicle selection.

Yes! We allow financing of sales tax, registration fees, and dealer documentation fees in your loan amount. This helps reduce your out-of-pocket costs at purchase. Keep in mind that financing these amounts will increase your total loan balance and monthly payment slightly.

We encourage early payoff! There are no prepayment penalties on any of our auto loans. You can make extra payments or pay off your entire loan at any time without any additional fees. This can save you money on interest over the life of the loan.