New Vehicle Loan Rates
| Finance Amount | Annual Percentage Rate (APR) as low as* | Maximum Term |
|---|---|---|
| Any Amount | 4.15 | 36 Months |
| Any Amount | 4.50 | 48 Months |
| $10,000 and up | 4.75 | 60 Months |
| $15,000 and up | 5.00 | 72 Months |
| $30,000 and up | 5.50 | 84 Months |
*Rate shown is for well-qualified borrowers. Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction. Discount for auto payments from another financial institution would be 0.25%. All loans subject to approval and rates are subject to change. Rate is also based on the following 0.50% New Cars Inc. discount: When you purchase a new vehicle through our auto buying partner, New Cars Inc., get 0.50% off your qualifying interest rate for loan terms up to 66 months, or 0.25% off your qualifying interest rate for loans 67-84 months. Other rates and terms available.
Fixed Rates
New Vehicle Loans up to 100% TPP / 120% Invoice
*Add .50% if not on automatic payment transfer or payroll deduction and add 2.00% for non-purchase vehicle loans
Loan rates and terms will vary based on the credit worthiness of the individual applicants. All rates, terms and conditions subject to change.
Used Vehicle Loan Rates
| Finance Amount | Annual Percentage Rate (APR) as low as* | Maximum Term |
|---|---|---|
| Any Amount | 4.35 | 36 Months |
| Any Amount | 4.70 | 48 Months |
| $10,000 and up | 4.95 | 60 Months |
| $15,000 and up | 5.20 | 72 Months |
| $30,000 and up | 6.20 | 84 Months |
*Rate shown is for well-qualified borrowers. Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction. All loans subject to approval and rates are subject to change. Rate is also based on the following 0.50% New Cars Inc. discount: When you purchase a pre-owned vehicle through our auto buying partner, New Cars Inc., get 0.50% off your qualifying interest rate for loan terms up to 66 months, or 0.25% off your qualifying interest rate for loans 67-84 months. Other rates and terms available.
Fixed Rates
Used Vehicle Loans up to 120% KBB Wholesale
*Add .50% if not on automatic payment transfer or payroll deduction and add 2.00% for non-purchase vehicle loans
Loan rates and terms will vary based on the credit worthiness of the individual applicants. All rates, terms and conditions subject to change.
Boat Loan Rates
| Finance Amount | Annual Percentage Rate (APR) as low as* | Maximum Term |
|---|---|---|
| Any Amount | 7.76% | 48 Months |
| $10,000 and up | 8.00% | 60 Months |
| $30,000 and up | 8.26% | 84 Months |
Fixed Rates
New Boats/Watercraft: Up to 100% financing of the total purchase price
Used Boats/Watercraft: Up to 100% of NADA Guide or fair market value, not to exceed the purchase price
*All Rates and Maximum Advances are subject to adjustment based on Credit Score.
Loan rates and terms will vary based on the credit worthiness of the individual applicants. All rates, terms and conditions subject to change.
Recreational Vehicle Loan Rates
| Finance Amount | Annual Percentage Rate (APR) as low as* | Maximum Term |
|---|---|---|
| Any Amount | 6.50% | 48 Months |
| $10,000 and up | 6.75% | 60 Months |
| $20,000 and up | 7.25% | 84 Months |
| $40,000 and up | 9.00% | 120 Months |
| $50,000 and up | 9.23% | 144 Months |
| $70,000 and up | 9.98% | 180 Months |
Fixed Rates
New RV Loans up to 100% TPP / 120% Invoice
Used RVs Loans up to 110% KBB Wholesale
*All Rates and Maximum Advances are subject to adjustment based on Credit Score.
Loan rates and terms will vary based on the credit worthiness of the individual applicants. All rates, terms and conditions subject to change.
ECSFCU!
