Credit Card and Loan Rates

Our goal is to keep your costs under control

Low rates help you pay less for almost everything

Everyone wants the best deal possible. No one wants to spend more on a product or service than they have to. Our low rates on credit cards and personal loans mean you're not paying jacked up prices on the things you buy with the cards or cash, helping you make the most of every dollar.

Visa Credit Cards Rates

All rates effective as of 07/23/2024
APR on Purchases (as low as) APR on Cash Advances (as low as)
Cash Rewards 15.15% 17.15%
Travel Rewards 15.15% 17.15%
Platinum 13.15% 15.15%
Business 17.99% 21.99%
Secured 19.99% 21.99%

New Vehicle Rates

All rates effective as of 07/23/2024

New vehicles are model year 2023 or newer with less than 20,000 miles. Excite may finance up to 125% of MSRP or Kelley Blue Book retail value (1) plus tax, license, mechanical breakdown insurance and gap insurance.

Min. Loan Amt. Term APR (as low as)
$5,000 up to 48 months 5.99%*
$5,000 49 - 60 months 7.24%*
$15,000 61 - 72 months 7.74%*
$20,000 73 - 84 months 7.99%*

Used Vehicle Rates

All rates effective as of 07/23/2024

Used vehicles are model year 2017 to 2022. Model year 2023 with more than 20,000 miles; 150,000 mile maximum. Excite may finance up to 125% of Kelley Blue Book retail value plus (1) tax, license, mechanical breakdown insurance and GAP insurance.

Minimum Amount Term APR (as low as)
$5,000 up to 48 months 7.49%*
$5,000 49 - 60 months 7.74%*
$15,000 61 - 72 months 7.99%*
$20,000 73 - 84 months 8.24%*

Older Vehicle Rates

All rates effective as of 07/23/2024

Older vehicles are model years 2010 to 2016; 150,000 mile maximum. Excite may finance up to 115% of Kelley Blue Book Retail Value including tax, license, mechanical breakdown insurance and gap insurance.

Minimum Amount Term APR (as low as)
$5,000 48 months 8.24%*
$5,000 60 months 8.99%*
$5,000 72 months 9.49%*
$5,000 84 months 9.74%*

New Motorcycle Rates

All rates effective as of 07/23/2024

New motorcycles are model years 2024 or newer.

Minimum Amount Term APR (as low as)
$5,000 24 - 48 months 9.74%
$5,000 60 months 9.74%
$15,000 72 months 9.99%

Used Motorcycle Rates

All rates effective as of 07/23/2024

Used motorcycles are model years 2014 to 2023. 

Minimum Amount Term APR (as low as)
$5,000 24 - 48 months 9.74%
$5,000 60 months 9.74%
$15,000 72 months 9.99%

New Motorhome/RV, 5th Wheel & Trailer and Boat Rates

All rates effective as of 07/23/2024

New Motorhomes/RV 5th Wheel & Trailers and Boats are models 2024 & Newer.

Minimum Amount Term APR (as low as)
$5,000 24 - 60 months 9.74%
$15,000 72 months 9.99%
$25,000 84 months 10.24%
$50,000 120 months 11.24%
$50,000 121 - 144 months (RV ONLY) 12.24%

Used Motorhome/RV, 5th Wheel & Trailer and Boat Rates

All rates effective as of 07/23/2024

Used Motorhomes/RV 5th Wheel & Trailers and Boats are 2014 to 2023.

Minimum Amount Term APR (as low as)
$5,000 24 - 60 months 9.99%
$15,000 72 months 10.24%
$25,000 84 months 10.49%
$50,000 120 months 11.74%
$50.000 121 - 144 months (RV ONLY) 12.74%

Personal Loan Rates

All rates effective as of 07/23/2024

Fixed payment and term.

Min. Loan Amount Max. Loan Amount Term APR (as low as)
$1,000 $20,000 12 months 10.74%
$2,500 $20,000 24 months 11.24%
$5,000 $20,000 36 months 11.74%
$5,000 $20,000 48 months 12.24%
$5,000 $20,000 60 months 12.74%

Share Secured Loan Rates

All rates effective as of 07/23/2024

Secured by the funds in your share or certificate account.

Min. Loan Amt. Max. Loan Amount Term APR
$1,000 Share account balance up to 60 months Share rate plus 3.00%

Helping Hand Loan Rates

All rates effective as of 07/23/2024

When you need a hand.

APR Fee Loan Amount Term
0% $20 Loan Origination $300 - $500 up to 3 months

Paycycle Loan Rates

All rates effective as of 07/23/2024

Short term assistance for unexpected expenses.

APR Fee Loan Amount Term
18% None $750 - $2,000 up to 12 months

Tuition Loan Rates

All rates effective as of 07/23/2024

Fixed payment loan.

Min. Loan Amount Max. Loan Amount Term APR
$1,000 $5,000 up to 48 months 11.49%

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