Low Rate Vehicle Loans
Whether you are in the market for a new or used vehicle from a dealer or your neighbor, you can apply for pre-approval in minutes. Shop around with confidence knowing what you can afford and what you should be paying.
Rates effective as of : 1/10/25
Auto
|
Model Year |
Term (Months) |
Rate/APR* with Loyalty Discount** |
|---|---|---|
| 2025 - 2020 | 48 | 4.99% |
| 2025 - 2020 | 60 | 5.24% |
| 2025 - 2020 | 75 | 5.49% |
| 2025 - 2020 | 84 | 5.74% |
| 2019 - 2016 | 60 | 5.74% |
| 2019 - 2016 | 72 | 6.24% |
| 2015 & older | 60 | 6.99% |
Motorcycles
|
Term |
Rate/APR* with Loyalty Discount** |
|---|---|
| 60 months (under $7,500) | 6.74% |
| 72 months (over $7,500) | 6.99% |
| 96 months (over $12,500) | 7.49% |
| 120 months (New - over $20,000) | 7.74% |
Boat
|
Term |
Rate/APR* with Loyalty Discount** |
|---|---|
| 60 months (under $7,500) | 5.49% |
| 72 months (over $7,500) | 5.74% |
| 96 months (over $12,500) | 5.99% |
| 144 months (New - over $20,000) | 5.99% |
| 180 months^ (over $30,000) | 5.99% |
| 240 months^^ (over $75,000) | 5.99% |
^180 month term requires 10% down.
^^240 month term requires 10% down.
^^240 month term requires 10% down.
Travel Trailer/Motor Homes
|
Term |
Rate/APR* with Loyalty Discount** |
|---|---|
| 60 months (under $7,500) | 5.99% |
| 72 months (over $7,500) | 6.24% |
| 96 months (over $12,500) | 6.49% |
| 144 months (over $20,000) | 6.49% |
| 180 months (over $30,000) | 6.49% |
| 240 months^ (over $75,000) | 6.49% |
^240 month term requires 10% down.
ATVs, Snowmobiles, PCWs, Misc. Equipment
|
Term |
Rate/APR* with Loyalty Discount** |
|---|---|
| 48 Months (used - under $5,000) | 7.74% |
| 60 Months (used - over $5,000) | 7.74% |
| 72 Months (new) | 7.99% |
| 96 Months (Side by Sides - new) (min. $25,000 MSRP) | 7.99% |
*APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness.
**Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, mortgage, home equity, commercial and other unsecured loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00. 1.50% Loyalty Discount expires 6/30/25. Some restrictions apply. See Credit Union for complete details.
All rates are subject to change without notice and represent our best rate available. The actual interest rate available to you may vary based on the your individual credit history and other loan factors.