7.00% APR-23.50% APR
0-36 months
7.00% APR-24.00% APR
37-48 months
7.50% APR-24.00% APR
49-63 months
8.50% APR-24.00% APR
64-72 months
9.25% APR-18.25% 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 9.1.2023.
7.00% APR-23.50% APR
0-36 months
7.00% APR-24.00% APR
37-48 months
7.50% APR-24.00% APR
49-63 months
8.50% APR-24.00% APR
64-72 months
9.25% APR-18.25% 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 9.1.2023.
7.50% APR-24.00% APR
0-36 months
7.75% APR-24.50% APR
37-48 months
8.50% APR-24.50% APR
49-63 months
9.00% APR-24.50% APR
64-72 months
10.50% APR-17.25% 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 9.1.2023.
7.50% APR-24.25% APR
0-36 months
8.00% APR-24.75% APR
37-48 months
8.75% APR-24.75% APR
49-63 months
9.75% APR-24.75% APR
64-72 months
11.00% APR-16.00% APR
73-84 months
Models that are 5-9 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 9.15.2023.
10.25% APR-25.25% APR
0-36 months
10.75% APR-25.75% APR
37-48 months
11.25% APR-25.75% APR
49-63 months
Older Models (2013-1990) – Up to 95% of current NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.
10.00% APR-19.00% APR
0-60 months
10.50% APR-20.00% APR
61-120 months
11.00% APR-21.00% APR
121-144 months
11.50% APR-22.00% APR
145-180 months
New Boats (certificate of origin) – Up to 100% of MSRP financed (plus tax, title and license)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
10.00% APR-19.00% APR
0-60 months
10.50% APR-20.00% APR
61-120 months
11.00% APR-21.00% APR
121-144 months
11.50% APR-22.00% APR
145-180 months
Used Boats – Up to 90% of NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
7.50% APR-23.75% APR
0-36 months
8.00% APR-11.50% APR
37-60 months
9.75% APR-13.75% APR
61-84 months
New Motorcycles and Personal Watercraft – (current model year and up to two previous model years with no previous title)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
7.50% APR-23.75% APR
0-36 months
8.00% APR-11.50% APR
37-60 months
9.75% APR-13.75% APR
61-84 months
Used Motorcycles/Pers. Watercraft (model previously titled and no more than six years old, includes current year) – Up to 115% of NADA retail value financed (plus tax, title, and license)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
12.00% APR-25.25% APR
0-84 months
12.50% APR-25.50% APR
85-120 months
13.50% APR-25.75% APR
121-144 months
17.75% APR-26.00% APR
145-180 months
New Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of MSRP financed (plus tax, title and license)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
12.00% APR-25.25% APR
0-84 months
12.50% APR-25.50% APR
85-120 months
13.50% APR-25.75% APR
121-144 months
17.75% APR-26.00% APR
145-180 months
Used Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of NADA used wholesale value financed (plus tax, title and license)
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.
New car: 2022-2024
8.50%
72 months
$17.78
Used car: 2022-2023
7.00%
48 months
$23.95
Used car: 2019-2021
10.50%
84 months
$16.86
Used car: 2014-2018
9.75%
72 months
$18.40
Older-model auto
10.75%
48 months
$25.72
New or used boat
10.50%
120 months
$13.49
New motorcycle
9.75%
72 months
$18.40
Used motorcycle
7.50%
36 months
$31.11
New or used RV
12.50%
120 months
$14.64
Personal
10.49%
18 months
$60.28
Monthly loan payment examples per $1,000 borrowed
Use our free calculator to estimate your monthly payments and check out other financial calculators we provide at no cost.
*APR=Annual Percentage Rate. Subject to change and based on creditworthiness. Rates as of 9.15.2023.
All ACU loans are simple-interest loans calculated on the declining balance and have no prepayment penalties.
Aggregate total for unsecured debt is $50,000.