Drive it like you bought it
When you get an auto loan with us, you get a better deal, plain and simple. With rates as low as possible at Arsenal and terms up to 84 months available, your monthly payments are more affordable. You can include taxes, dealer handling charges, warranty and insurance options in your loan.
Get free CARFAX reports, find NADA trade-in values, search and compare millions of vehicles and more when you use our online auto-buying tool.
No credit history? No worries. You can still finance a reliable vehicle with our special “First-Time Borrower” program.
Why choose Arsenal?
When we say we’ll get you a better deal, we really mean it. Here’s how we back that up:
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1
Same rates for new and used cars
We don't punish you for getting what you want. We offer the same rates on new and used cars, up to five years old.
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2
Room for your budget to breathe
We know some months can be difficult. With our unique skip-a-pay program, you can push a payment to the end of your term. You can do this once per 12 months, up to five times total over the life of your loan. Ask for details.
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3
Get cash back
End your loan with some extra cash. We'll refund your last year of interest. Ask for details.
Auto Loan Rates
| APR* | Term |
|---|---|
| 3.24% APR-17.99% APR | 0-36 months |
| 3.49% APR-17.99% APR | 37-48 months |
| 3.74% APR-17.99% APR | 49-63 months |
| 3.99% APR-17.99% APR | 64-72 months |
| 5.24% APR-10.99% APR | 73-84 months |
New auto loan (current and last model year, not titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.
| APR* | Term |
|---|---|
| 3.24% APR-17.99% APR | 0-36 months |
| 3.49% APR-17.99% APR | 37-48 months |
| 3.74% APR-17.99% APR | 49-63 months |
| 3.99% APR-17.99% APR | 64-72 months |
| 5.24% APR-10.99% APR | 73-84 months |
Used (model previously titled and no more than five years old, including current year) - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.
| APR* | Term |
|---|---|
| 3.49% APR-18.24% APR | 0-36 months |
| 3.74% APR-18.24% APR | 37-48 months |
| 3.99% APR-18.24% APR | 49-63 months |
| 4.24% APR-18.24% APR | 64-72 months |
| 5.49% APR-11.24% APR | 73-84 months |
Used (model previously titled and no more than five years old, including current year) - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.
| APR* | Term |
|---|---|
| 3.74% APR-18.49% APR | 0-36 months |
| 3.99% APR-18.49% APR | 37-48 months |
| 4.24% APR-18.49% APR | 49-63 months |
| 5.49% APR-14.99% APR | 64-72 months |
| 6.49% APR-8.49% APR | 73-84 months |
Used (model previously titled and no more than six to eight years old, including current year) - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.
| APR* | Term |
|---|---|
| 5.24% APR-19.99% APR | 0-36 months |
| 5.49% APR-19.99% APR | 37-60 months |
Older Models (9 years or older) - Up to 90% of current NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 09-01-18.
| APR* | Term |
|---|---|
| 7.50% APR | 0-60 months |
Car loan for first-time borrowers - Maximum loan amount is $12,000. Other eligibility requirements must be met.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 08-01-18.
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Format: 12m, 36m, 3y, 7y
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Credit Life/Credit Disability: Coverage starts on the enrollment date and can be cancelled at any time. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.