Loan Rates
New Autos & Trucks
New Autos & Trucks | As Low as: ** |
---|---|
24 Months | 5.15% APR |
36 Months | 5.20% APR |
48 Months | 5.45% APR |
60 Months | 5.70% APR |
72 Months | 5.95% APR |
84 Months | 6.20% APR |
* Annual Percentage Rate
**Rates will vary depending on credit score..25% interest discount for debt protection or warranty.
Used Autos & Trucks
New Autos & Trucks | As Low as: ** |
---|---|
48 Months | 5.45% APR |
60 Months | 5.70% APR |
72 Months | 5.95% APR |
84 Months | 6.20% APR |
* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.
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 | 8.70% APR* |
$7,000 to $12,999 | 60 Months | 9.10% APR* |
$13,000 to $17,999 | 84 Months | 9.60% APR* |
$18,000 to $24,999 | 120 Months | 10.05% APR* |
$25,000 & Above | 144 Months | 10.25% APR* |
* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.
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 | 8.80% APR* |
$7,000 to $12,999 | 60 Months | 9.30% APR* |
$13,000 to $17,999 | 84 Months | 9.80% APR* |
$18,000 to $24,999 | 120 Months | 10.40% APR* |
$25,000 & Above | 144 Months | 10.60% APR* |
* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection.
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 | 8.65% APR |
$10,000 & Above | 72 Months | 7.70% APR |
$1,500 to $9,999 | 60 Months | 7.40% APR |
$1,500 to $9,999 | 48 Months | 7.00% APR |
$1,500 to $9,999 | 36 Months | 6.90% APR* |
* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.
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 | 8.00% APR* |
$10,000 to $14,999 | 60 Months | 7.85% APR* |
$6,000 to $9,999 | 48 Months | 7.50% APR* |
$1,500 to $5,999 | 36 Months | 7.10% APR* |
$1,500 to $5,999 | 24 Months | 7.05% APR* |
* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. Above rates reflect a .25% discount for debt protection or warranty.
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 | 9.85% APR* |
New or Used | 36 Months | 9.45% APR* |
Lesser of Purchase or Retail | 24 Months | 9.30% APR* |
Lesser of Purchase or Retail | 12 months | 9.15% APR* |
* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. Above rates reflect a .25% discount for debt protection.
Consumer Goods Secured by UCC-1
For more information contact a loan officer at (641) 792-5660 or (800) 824-2575.
Personal Loans
Unsecured | Term | As Low As: ** |
---|---|---|
$250 to $499 | 6 Months | 15.20% APR* |
$500 to $1,000 | 12 Months | 14.70% APR* |
$1,001 to $2,500 | 24 Months | 14.20% APR* |
$2,501 to $5,000 | 36 Months | 13.70% APR* |
$5,001 to $8,000 | 48 Months | 14.20% APR* |
$8,001 and Over | 60 Months | 14.70% APR* |
*Annual Percentage Rate
** Rates will vary depending on credit score. 25% discount applies for debt protection.
Credit Solutions
If you’re struggling to pay your loan or looking to improve your credit, ACU can help. Visit our Credit Solutions page for more information.