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.
2000 & Older Vehicles and Classic Cars
Suffix 140-145
Paper
A+
A
B
C
D
Maximum LTVs
90%
85%
80%
75%
70%
48 Months
6.99%
7.49%
8.49%
11.29%
16.74%
60 Months
6.99%
7.49%
8.49%
11.29%
16.74%
Sight inspection required
Classic and Exotic Automobiles
Suffix 150-155
Paper
A+
A
B
C
D
Maximum LTVs
100%
100%
100%
80%
N/A
48 Months
6.50%
6.50%
7.99%
11.99%
N/A
60 Months
6.50%
6.50%
7.99%
11.99%
N/A
Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.
Multi-Collateral
Suffix 170-175
Paper
A+
A
B
C
D
48 Months
6.49%
6.99%
7.99%
9.99%
11.99%
60 Months
6.49%
6.99%
7.99%
9.99%
11.99%
100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven years.
Mixed-Collateral Partially Secured
Suffix 160-165
Paper
A+
A
B
C
D
36 Months
8.49%
9.00%
10.00%
11.99%
16.99%
48 Months
8.49%
9.00%
10.00%
11.99%
16.99%
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.
New/Used Recreational Vehicles
Suffix 180-185
Paper
A+
A
B
C
D
Up to 120 Months
5.75%
5.99%
6.99%
10.99%
16.24%
Finance 90% of NADA Loan Value (10%) trade or cash down payment required.
New Motorcycle
Suffix 190-194
Paper
A+
A
B
C
D
Up to 60 Months
5.25%
5.74%
6.99%
11.25%
N/A
10% trade or cash down payment required.
Used Motorcycle
Suffix 195-199
Paper
A+
A
B
C
D
Maximum LTV
90%
85%
80%
75%
N/A
Up to 48 Months
5.25%
5.74%
6.99%
11.25%
N/A
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.