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.
Refinancing?
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 | 5.99%* |
$5,000 | 49 - 60 months | 7.24%* |
$15,000 | 61 - 72 months | 7.74%* |
$20,000 | 73 - 84 months | 7.99%* |
Used Vehicles Rates
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
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%* |
*Rate reflects a max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
Estimate Your Car Payments
Fast Fair Approvals
Step
1 |
Apply Online Quick and easy online auto loan application. |
Step
2 |
Sign Your Paperwork Agree to the car loan amount, rates, and terms. |
Step
3 |
Get a Check Use your check to buy your new car. |
Complete the form below to get started:
★★★★★
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.
Disclosure
*APR=Annual Percentage Rate.
Loans require Excite Credit Union Membership. Minimum amount financed is $5,000. No Payment for 90 days offer is subject to restrictions and credit qualification. Interest on 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on. Certain restrictions apply. Rates subject to change. This offer is valid 4/1/24-12/31/24 and can be withdrawn anytime.
** Restrictions apply. Auto refinance loan must be at least $5,000. To obtain the 1% rate reduction, the loan to be refinanced must not be with Excite Credit Union and is subject to qualified borrowers and collateral approval. Rate cannot go below our floor rate of 5.99%. Vehicle must be 2010 or newer.