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Loan Rates

New Autos & Trucks

New Autos & Trucks As Low as: **
24 Months 4.35% APR
36 Months 4.50% APR
48 Months 4.65% APR
60 Months 4.90% APR
72 Months 5.15% APR
84 Months 5.40% APR

* Annual Percentage Rate
**Rates will vary depending on credit score. 0.25% interest discount for debt protection or warranty.

Example: A $20,000 loan at 5.00% APR with a 60 month repayment term would have a monthly payment of $377.42

Used Autos & Trucks

Used Autos & Trucks As Low as: **
48 Months 4.65% APR
60 Months 4.90% APR
72 Months 5.15% APR
84 Months 5.40% APR

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.

Example: A $15,000 loan at 5.25% APR with a 72 month repayment term would have a monthly payment of $243.32

New Boats & RVs

100% of MSRP & T.T.L. (10% down required on loans over $40,000)
(5% down required on loans over $25,000)		 As Low As: **
Up to $7,000 36 Months 7.90% APR*
$7,000 to $12,999 60 Months 8.30% APR*
$13,000 to $17,999 84 Months 8.55% APR*
$18,000 to $24,999 120 Months 9.25% APR*
$25,000 & Above 144 Months 9.45% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.

Example: A $13,000 loan at 8.65% APR with a 84 month repayment term would have a monthly payment of $206.86

Used Boats & RVs

100% of NADA Retail (10% down required on loans over $40,000)
(5% down required on loans over $25,000)		 As Low As: **
Up to $7,000 36 Months 8.00% APR*
$7,000 to $12,999 60 Months 8.50% APR*
$13,000 to $17,999 84 Months 9.00% APR*
$18,000 to $24,999 120 Months 9.60% APR*
$25,000 & Above 144 Months 9.80% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection.

Example: A $13,000 loan at 9.10% APR with a 84 month repayment term would have a monthly payment of $209.82

New Motorcycles & Titled ATVs or UTVs

New 2022 Term As Low As: **
(125% of MSRP) (Amounts under $1500-refer to "Other Titled Motorized Vehicles")
$15,000 & Above 84 Months 7.75% APR
$10,000 & Above 72 Months 6.80% APR
$1,500 to $9,999 60 Months 6.50% APR
$1,500 to $9,999 48 Months 6.10% APR
$1,500 to $9,999 36 Months 6.00% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.

Example: A $10,000 loan at 6.90% APR with a 72 month repayment term would have a monthly payment of $170.01

Used Motorcycles & Titled ATVs or UTVs

2017 and newer Term As Low As: **
125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles"
$15,000 & Above 72 Months 7.20% APR*
$10,000 to $14,999 60 Months 7.05% APR*
$6,000 to $9,999 48 Months 6.50% APR*
$1,500 to $5,999 36 Months 6.30% APR*
$1,500 to $5,999 24 Months 6.25% APR*

* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.

Example: A $10,000 loan at 7.15% APR with a 60 month repayment term would have a monthly payment of $198.72

Other Titled Motorized Vehicles

New & Used Motorcycles, ATV's & UTV's Term As Low As: **
$1500 and 2016 & older cycles, ATVs & UTVs (any amount), Jet ski's, and Snowmobiles
New Only 48 Months 9.05% APR*
New or Used 36 Months 8.65% APR*
Lesser of Purchase or Retail 24 Months 8.50% APR*
Lesser of Purchase or Retail 12 months 8.35% APR*

* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. 0.25% interest discount for debt protection or warranty.

Example: A $1,500 loan at 8.75% APR with a 36 month repayment term would have a monthly payment of $47.53

Consumer Goods Secured by UCC-1

For more information contact a loan officer at (641) 792-5660 or (800) 824-2575.

Apply Online

Personal Loans

Unsecured Term As Low As: **
$250 to $499 6 Months 11.79% APR*
$500 to $1,000 12 Months 11.29% APR*
$1,001 to $2,500 24 Months 10.79% APR*
$2,501 to $5,000 36 Months 10.29% APR*
$5,001 to $8,000 48 Months 10.79% APR*
$8,001 and Over 60 Months 11.29% APR*

*Annual Percentage Rate
** Rates will vary depending on credit score. 0.25% discount applies for debt protection.

Example: A $500 loan at 11.39% APR with a 12 month repayment term would have a monthly payment of $44.28

Credit Solutions

If you’re struggling to pay your loan or looking to improve your credit, ACU could help. Visit our Credit Solutions page for more information.

Credit Solutions