| New Car / Motorcycle / ATV Loans | ||||||
|---|---|---|---|---|---|---|
| Amount Financed | Either 100% of NADA retail value, or the purchase price - whichever is lower. | |||||
| Payback | 36 months | 48 months | 60 months | 72 months | 84 months | |
| Finance Rate | 4.99% | 5.49% | 5.99% | 6.24% | 6.49% | |
| Car loans can be re-financed at current new car rates within 3 months of original loan. | ||||||
| Pre-Approval: New car loans can be pre-approved for up to 90 days. | ||||||
| Used Car / Motorcycle / ATV Loans (1 - 2 years old) | ||||||
|---|---|---|---|---|---|---|
| Amount Financed | Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower. | |||||
| Model Year | 2022 - 2023 | 2022 - 2023 | 2022 - 2023 | 2022 - 2023 | 2022 - 2023 | |
| Payback | 36 months | 48 months | 60 months | 72 months | 84 months | |
| Finance Rate | 5.74% | 5.99% | 6.24% | 6.49% | 6.74% | |
| Used Car / Motorcycle / ATV Loans (3 - 6 years old) | ||||
|---|---|---|---|---|
| Amount Financed | Either 100% of NADA retail value (plus or minus for mileage), or the purchase price - whichever is lower. | |||
| Model Year | 2018 - 2021 | 2018 - 2021 | 2018 - 2021 | |
| Payback | 36 months | 48 months | 60 months | |
| Finance Rate | 5.99% | 6.49% | 6.74% | |
| Older than 6 years will be at personal loan rate/terms. | ||||
| Camping Trailer / Tractor / Boat Loan | ||||
|---|---|---|---|---|
| Amount Financed | New 100% of sales order | New 100% of appraisal | ||
| Payback | 15 years | 7 years (must be a minimum $1,000/year) | ||
| Finance Rate | 9.75% | 10.00% | ||
| Second Mortgage Loans | |||||
|---|---|---|---|---|---|
| Amount Financed: | 80% of Appraisal minus current mortgage balance equals equity. | ||||
| Payback | 15 years (minimum of $10,000) | 60 months | 84 months | 120 months | 180 months |
| Finance Rate | - | 4.99% | 5.24% | 5.49% | 5.99% |
| Personal Loans | |||||
|---|---|---|---|---|---|
| Max Amount | $12,500 | ||||
| Payback | 24 months | 36 months | 48 months | 60 months | 72 months |
| Finance Rate | 7.75% | 8.00% | 8.50% | 9.00% | 10.00% |
| Education Loans | ||||
|---|---|---|---|---|
| k – 12 Grades only | NO Post-secondary educational institutions allowed. Checks made payable to school. | |||
| Payback | 12 months | |||
| Finance Rate | 4.99% | |||