Auto Loan Rates

Rates as of 01/29/2026. Rates subject to change without notice. Amount Financed: Some applicants may require a down payment.

1. APR = Annual Percentage Rate. Standard passenger vehicles only, no commercial vehicles or vehicles for hire will be considered. No Lemon Law buybacks or grey/salvage titles. Vehicles for commercial use or used to transport passengers for compensation, including but not limited to vehicles used as taxicabs or for ride-sharing, are not eligible. Other restrictions apply. Auto loan rates and terms are good for new and used cars and trucks with up to 110% financing.

Model Years 2022 or Newer

For model years 2022 or newer, the estimated monthly payment is $36.45 per $1,000 borrowed for up to 29 months at 4.48% APR, $29.83 for 36 months at 4.68% APR, $22.88 for 48 months at 4.68% APR, $17.21 for 66 months at 4.68% APR, $15.40 for 75 months at 4.68% APR, and $14.89 for 84 months at 6.58% APR. Terms of 75 months require a minimum loan amount of $12,000, and terms of 84 months require a minimum loan amount of $25,000.

Maximum Term: Offer good for all 2022 or newer model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000. Terms of 7 years (84 months) on loan amounts of $25,000 and above.

Model Years 2017 - 2021

For model years 2017 to 2021, the estimated monthly payment is $36.90 per $1,000 borrowed for up to 29 months at 5.48% APR, $30.28 for 36 months at 5.68% APR, $23.34 for 48 months at 5.68% APR, $17.68 for 66 months at 5.68% APR, and $15.87 for 75 months at 5.68% APR. Offer is valid for all 2017 to 2021 model years up to 66 months. Terms of 75 months require a minimum loan amount of $12,000.

Maximum Term: Offer good for all 2017 - 2021 model years up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Model Years 2016 or Older, Classic/Exotic/Specialty Vehicles 

For Model Years 2016 or Older, Classic/Exotic/Specialty Vehicles the estimated monthly payment is $30.96 per $1,000 borrowed for 36 months at 7.18% APR, $24.03 for 48 months at 7.18% APR, $18.38 for 66 months at 7.18% APR, and $16.59 for 75 months at 7.18% APR.

Maximum Term: Offer good for all model years 2016 and older, or Classic/Exotic/Specialty vehicles for up to 5 1/2 years (66 months). Terms of 6 years and 3 months (75 months) require a minimum loan amount of $12,000.

Classic/Exotic/Specialty Vehicles List

The vehicles listed are considered Classic, Exotic and/or Specialty Vehicles. This list is not comprehensive and is subject to change without notice: Aston Martin, Austin Healey, Avanti, Bertone, Bentley, Consulier, Daimler, Delorean, Ferrari, Fisker, Lamborghini, Lotus, McLaren, Merkur, MG, Pininfarina, Rolls-Royce, Triumph, Zenn, Other Specialty Vehicles

2. 90-day deferred payment option for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Restrictions apply.