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Auto Loan Rates

Auto Loan Rates Table
Fico Score Range36 Mo.48 Mo.60 Mo.72 Mo.84 Mo.
New Auto 80% financing and Used Auto up to 80% high Blue Book financing 1 2
FICO 760 and above 2.49% 2.75% 2.75% 2.99% 3.25%
FICO 720 to 759 2.99% 3.25% 3.25% 3.49% 3.75%
FICO 680 to 719 3.99% 4.25% 4.25% 4.49% 4.75%
FICO 620 to 679 6.99% 7.25% 7.25% 7.49% 7.75%
FICO 619 or less 10.99% 11.25% 11.25% 11.49% 11.75%

Rates effective July 1, 2018. Representative Example: Financing $25,000.00 with a 20% down payment at 2.75% for 60 months, payment of $447.00 per month.

Fico Score Range36 Mo.48 Mo.60 Mo.72 Mo.84 Mo.
New Auto 100% financing/Used Auto over 80% high Blue Book up to high Blue Book/Used Auto Cash Out up to 80% high Blue Book financing 1 2
FICO 760 and above 2.99% 3.25% 3.25% 3.49% 3.75%
FICO 720 to 759 3.49% 3.75% 3.75% 3.99% 4.25%
FICO 680 to 719 4.49% 4.75% 4.75% 4.99% 5.25%
FICO 620 to 679 7.49% 7.75% 7.75% 7.99% 8.25%
FICO 619 or less 11.49% 11.75% 11.75% 11.99% 12.25%

Representative Example:
Financing $25,000.00 with no down payment at 3.25% for 60 months, payment of $453.00 per month.

Fico Score Range36 Mo.48 Mo.60 Mo.72 Mo.84 Mo.
New Auto greater than 100% financing/Used Auto purchase or refinance over high Blue Book 1 2
FICO 760 and above 3.49% 3.75% 3.75% 3.99% 4.25%
FICO 720 to 759 3.99% 4.25% 4.25% 4.49% 4.75%
FICO 680 to 719 4.99% 5.25% 5.25% 5.49% 5.75%
FICO 620 to 679 7.99% 8.25% 8.25% 8.49% 8.75%
FICO 619 or less 11.99% 12.25% 12.25% 12.49% 12.75%

Representative Example:
Financing $25,000.00 with no down payment at 3.75% for 60 months, payment of $458.00 per month.

To apply, log in to Online Banking, click All Services and select New Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

1The maximum loan amount is $100,000. Maximum vehicle age is the current model year minus 12 years (2006 models for 2018). Purchase price for New Autos includes the purchase price of the vehicle including installed options, sales tax, title/other mandated fees, mechanical breakdown protection or service contract and F&A provided GAP coverage. Mechanical breakdown protection and GAP coverage purchased through F&A are not considered in determining the loan rate for Used Autos. Used Auto loans are limited to California, Arizona, Nevada, Oregon, Washington, Texas, Idaho, Colorado and Utah. Cash out used car financing includes mileage and the installed options

All rates quoted above are Annual Percentage Rates (APR)

2Additional Information: Refinance of an existing F&A auto loan for a lower rate requires a $5,000 advance. All rates, except the Variable Rate Visa, include a 0.50% reduction for automatic transfer/payroll deduction. All loans subject to approval. Additional terms and conditions may apply. Rates and terms are subject to change without notice.

Representative Example: Payments are rounded to the nearest $1.

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