Maximum LTV’s for A+ & A Up to 105% & B is 100% of new and used, plus taxes, dealer handling, warranty and insurance. C is 90% for new and used plus taxes, dealer handling, warranty and insurance. D is 80% for new and used, plus taxes, dealer handling, warranty and insurance. A loan financed for $18,000.00 or higher can qualify up to 84 months. 

*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. Click here for disclosures. 

Sight inspection required

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.

100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven years.

A & B Paper
Current NADA Retail Value and 2x gross monthly income.
7-10 years and older - NADA Trade-In Value and 2x gross monthly income.

C Paper
Current NADA Trade-in Value and 1.5x gross monthly income.
7-10 years and older - NADA Trade-In Value and 1.5x gross monthly income.

D Paper
Current NADA Retail Value and 1x gross monthly income.
7-10 years and older - NADA Trade-In Value and 1x gross monthly income.

Finance 90% of NADA Loan Value (10%) trade or cash down payment required.

10% trade or cash down payment required.

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. Click here for disclosures.  

• Terms: 10 year draw period, up to 15 years to repay the balance.
• Payments: 1% of outstanding principal balance with minimum payment of $100.00.
• Fees: $399.00 processing fee

Maximum term on Shared Secured is 60 months.