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.
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
Related costs can be rolled into your loan
We'll finance up to 125% of the purchase price (taxes, dealer handling charges, warranty, credit life/disability insurance) on new vehicles and up to 125% of current NADA retail value on 2013-2020 used models, depending on your creditworthiness.
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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 postpone your payment once every 12 months, up to five times total, with no penalties. More details.
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3
Same low rate on new and used vehicles
Our loans start at the same annual percentage rate for new vehicles and pre-owned vehicles up to five years old.
Auto Loan Rates
| APR* | Term |
|---|---|
| 3.50% APR-17.75% APR | 0-36 months |
| 3.50% APR-17.75% APR | 37-48 months |
| 3.75% APR-17.75% APR | 49-63 months |
| 4.25% APR-17.75% APR | 64-72 months |
| 5.25% APR-10.75% 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) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-15-2020.
| APR* | Term |
|---|---|
| 3.50% APR-17.75% APR | 0-36 months |
| 3.50% APR-17.75% APR | 37-48 months |
| 3.75% APR-17.75% APR | 49-63 months |
| 4.25% APR-17.75% APR | 64-72 months |
| 5.25% APR-10.75% APR | 73-84 months |
Current and last year's models previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-15-2020.
| APR* | Term |
|---|---|
| 3.74% APR-18.25% APR | 0-36 months |
| 3.74% APR-18.25% APR | 37-48 months |
| 3.99% APR-18.25% APR | 49-63 months |
| 5.00% APR-18.25% APR | 64-72 months |
| 5.50% APR-11.99% APR | 73-84 months |
Models that are 3-5 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-15-2020.
| APR* | Term |
|---|---|
| 3.74% APR-18.50% APR | 0-36 months |
| 4.25% APR-18.50% APR | 37-48 months |
| 4.35% APR-18.50% APR | 49-63 months |
| 5.25% APR-18.50% APR | 64-72 months |
| 5.75% APR-8.50% APR | 73-84 months |
Models that are 6-8 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 2-15-2020.
| APR* | Term |
|---|---|
| 5.25% APR-19.50% APR | 0-36 months |
| 5.25% APR-19.50% APR | 37-48 months |
| 5.75% APR-19.50% APR | 49-60 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 2-15-2020.
| 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 2-15-2020.
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Loan Calculator
Format: 12m, 36m, 3y, 7y