Auto Loans

While we don’t have flying cars…yet. Your new ride can help you discover the world. The universe is calling, let Excite help you answer the call.


90 Days No Payments

No payments for 90 days for qualified buyers.


24 - 84 Months

Terms ranging from 24 to 84 months.


No  Prepayment Penalties

No penalty for paying off your loan early.



You may be eligible for a 1% rate discount.

Our great rates help you pay less!

New Vehicle Rates

New vehicles are model year 2023 or newer with less than 20,000 miles. 

Min. Loan Amt. Term APR (as low as)
$5,000 up to 48 months 7.24%*
$5,000 49 - 60 months 7.49%*
$15,000 61 - 72 months 7.74%*
$20,000 73 - 84 months 7.99%*

Used Vehicles Rates

All rates effective as of 02/22/2024

Used vehicles are model year 2017 to 2022. Model year 2023 with more than 20,000 miles; 150,000 mile maximum.

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 Vehicles Rates

All rates effective as of 02/22/2024

Older vehicles are model years 2010 to 2016; 150,000 mile maximum.

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%*

Estimate Your Car Payments

Fast Fair Approvals



Apply Online
Quick and easy online auto loan application.


Sign Your Paperwork
Agree to the car loan amount, rates, and terms.


Get a Check
Use your check to buy your new car.


I've been a member here since May 2015, and gosh has this been an amazing financial establishment! I received an amazing interest rate on my jeep loan, plus this credit union helped me during hurricane Florence! I always recommend friends and family here!

Luis R.

Auto Loan FAQs

You should consider refinancing your car loan if you:

  • Improved your credit score
  • Want to change the term of your loan
  • Have positive equity

Excite can improve your interest rate by up to 1%!  Apply Now!

You should avoid refinancing for the time being if:

  • You have an older car
  • Your loan has prepayment penalties
  • You bought the car within the last six months

The following components are a few of the factors that help determine your auto loan’s interest rate:

  • Your credit score
  • Your debt-to-income ratio
  • The age of the car (new vs used)
  • The amount and term (how long you will take to pay off) of the loan

For our interest rates, see the chart above.

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