Auto/Secured Loan Rates and Terms

Loan TypeNewUsed
Rates effective January 1, 2023
LOAN TYPEAPR*
AUTONEWUSED
Max 130% LTV based on MSRP, KBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI).
Min. financed 6 years $15,000; 7 yrs. $30,000. Autos older than 2012, 125% LTV.
36 months4.49%4.74%
48 months4.49%4.74%
60 months5.24%5.49%
72 months5.49%5.74%
84 months5.99%6.24%
RVNEWUSED
LTV based on MSRP, RBBV, or NADA Retail (including Tax, License, Delivery, GAP, and MBI).
Maximum Vehicle Age 10 years.
60 months6.99%6.99%
84 months7.25%7.25%
120 months8.50%8.50%
144 months9.25%9.25%
180 months9.99%9.99%
MOTORCYCLE, UTV, POWERSPORTSNEWUSED
New: Max LTV 130% of purchase price, tax, license.
Used: Max LTV 130% of purchase price, tax, license or wholesale Blue Book, whichever is less.
Maximum Vehicle Age 10 years.
36 months6.99%7.49%
48 months6.99%7.49%
60 months7.99%7.49%
72 months7.99%7.99%
84 months7.99%8.24%
BOAT, TRAILERNEWUSED
New: Max LTV 100% of purchase price, tax, license.
Used: Max LTV 100% of purchase price, tax, license or wholesale Blue Book, whichever is less.
60 months6.49%6.49%
84 months8.49%8.49%
120 months9.49%9.49%
144 months10.49%10.49%
180 months12.49%12.49%
DEPOSIT SECURED
100% of available funds.
Shared Savings Secured LoanEarning rate+ 2.00%
*APR = Annual Percentage Rate. Rates shown are preferred member rates; other rates and terms may apply based on credit.

You are about to leave edwardsfcu.org

By accessing the noted link you will be leaving Edwards Federal Credit Union's website and entering a website hosted by another party. Edwards has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Edwards website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Edwards Federal Credit Union.

Go back