5.75% APR-22.25% APR
0-36 months
5.75% APR-22.75% APR
37-48 months
6.75% APR-22.75% APR
49-63 months
7.25% APR-22.75% APR
64-72 months
8.00% APR-17.00% 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 5.26.2023.
5.75% APR-22.25% APR
0-36 months
5.75% APR-22.75% APR
37-48 months
6.75% APR-22.75% APR
49-63 months
7.25% APR-22.75% APR
64-72 months
8.00% APR-17.00% 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 5.26.2023.
6.25% APR-22.75% APR
0-36 months
6.50% APR-23.25% APR
37-48 months
7.50% APR-23.25% APR
49-63 months
8.00% APR-23.25% APR
64-72 months
9.50% APR-16.00% 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 5.26.2023.
6.25% APR-23.00% APR
0-36 months
6.25% APR-23.50% APR
37-48 months
7.75% APR-23.50% APR
49-63 months
8.50% APR-23.50% APR
64-72 months
9.25% APR-14.75% 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 5.26.2023.
10.00% APR-24.00% APR
0-36 months
10.75% APR-24.50% APR
37-48 months
11.00% APR-24.50% 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 5.26.2023.
7.75% APR-18.00% APR
0-60 months
8.75% APR-18.30% APR
61-120 months
9.25% APR-19.00% APR
121-144 months
10.00% APR-19.50% 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 5.1.2023.
7.75% APR-18.00% APR
0-60 months
8.75% APR-18.30% APR
61-120 months
9.25% APR-19.00% APR
121-144 months
10.00% APR-19.50% 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 5.1.2023.
5.49% APR-19.99% APR
0-36 months
5.74% APR-7.24% APR
37-60 months
6.99% APR-8.99% 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 5.1.2023.
5.49% APR-19.99% APR
0-36 months
5.74% APR-7.24% APR
37-60 months
6.99% APR-8.99% 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 5.1.2023.
8.75% APR-22.25% APR
0-84 months
9.75% APR-22.25% APR
85-120 months
10.75% APR-22.25% APR
121-144 months
11.75% APR-23.25% 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 5.1.2023.
8.75% APR-22.25% APR
0-84 months
9.75% APR-22.25% APR
85-120 months
10.75% APR-22.25% APR
121-144 months
11.75% APR-23.25% 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 5.1.2023.
New car: 2022-2024
7.25%
72 months
$17.17
Used car: 2022-2023
5.75%
48 months
$23.37
Used car: 2019-2021
9.50%
84 months
$16.34
Used car: 2014-2018
8.50%
72 months
$17.18
Older-model auto
10.75
48 months
$25.72
New or used boat
8.75%
120 months
$12.53
New motorcycle
6.99%
72 months
$17.04
Used motorcycle
5.49%
36 months
$30.19
New or used RV
9.75%
120 months
$13.08
Personal
9.99%
18 months
$60.05
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 5.15.2023.
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.