New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Oct 1, 2025
| Credit Score | Term | APR |
| 700-800 |
24 Months |
5.050% |
| |
36 Months |
5.300% |
| |
48 Months |
5.550% |
| |
60 Months |
5.800% |
| |
72 Months |
6.050% |
| |
84 Months |
6.650% |
| 620-699 |
24 Months |
5.300% |
| |
36 Months |
5.800% |
| |
48 Months |
6.000% |
| |
60 Months |
6.050% |
| |
72 Months |
6.550% |
| |
84 Months |
7.150% |
| 580-619 |
24 Months |
5.550% |
| |
36 Months |
6.300% |
| |
48 Months |
6.800% |
| |
60 Months |
7.050% |
| |
72 Months |
7.550% |
| |
84 Months |
8.150% |
APR=Annual Percentage Rate 10% down payment may be required on 84 months loans *No discounts on the interest rate if an "Auto-Up" Loan |
Used Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Sept 1, 2025
| Credit Score | Term | APR |
| 700-800 |
24 Months |
5.300% |
| |
36 Months |
5.550% |
| |
48 Months |
5.800% |
| |
60 Months |
6.050% |
| |
72 Months |
6.300% |
| |
84 Months |
6.900% |
| 620-699 |
24 Months |
5.550% |
| |
36 Months |
6.050% |
| |
48 Months |
6.250% |
| |
60 Months |
6.300% |
| |
72 Months |
6.800% |
| |
84 Months |
7.400% |
| 580-619 |
24 Months |
5.800% |
| |
36 Months |
6.550% |
| |
48 Months |
7.050% |
| |
60 Months |
7.300% |
| |
72 Months |
7.800% |
| |
84 Months |
8.400% |
APR=Annual Percentage Rate 10% down payment may be required on 84 months loans *No discounts on the interest rate if an "Auto-Up" Loan |
2024-2025 New Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
| Credit Score | Term | APR |
| 700-800 |
36 Months |
6.250% |
| |
48 Months |
6.500% |
| |
60 Months |
6.750% |
| |
72 Months |
7.000% |
| |
84 Months |
7.250% |
| 620-699 |
36 Months |
6.500% |
| |
48 Months |
6.750% |
| |
60 Months |
7.000% |
| |
72 Months |
7.250% |
| |
84 Months |
7.350% |
| 580-619 |
36 Months |
7.250% |
| |
48 Months |
7.750% |
| |
60 Months |
8.250% |
| |
72 Months |
8.500% |
| |
84 Months |
8.600% |
| APR=Annual Percentage Rate |
Used Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
| Credit Score | Term | APR |
| 700-800 |
36 Months |
6.500% |
| |
48 Months |
6.750% |
| |
60 Months |
7.000% |
| |
72 Months |
7.250% |
| |
84 Months |
7.500% |
| 620-699 |
36 Months |
7.000% |
| |
48 Months |
7.500% |
| |
60 Months |
7.750% |
| |
72 Months |
8.000% |
| |
84 Months |
8.250% |
| 580-619 |
36 Months |
8.750% |
| |
48 Months |
9.250% |
| |
60 Months |
9.750% |
| |
72 Months |
10.250% |
| |
84 Months |
10.500% |
APR=Annual Percentage Rate Maximum Loan Amount Not To Exceed NADA Retail Value or Appraised Value |
2024-2025 New Motorhomes (RVs)
Effective Date: Oct 1, 2025
Finance up to 70% of the Purchase Price
| Credit Score | Term | APR |
| 700-800 |
36 Months |
6.250% |
| |
48 Months |
6.500% |
| |
60 Months |
6.750% |
| |
72 Months |
7.250% |
| |
84 Months |
7.750% |
| 620-699 |
36 Months |
6.750% |
| |
48 Months |
7.250% |
| |
60 Months |
7.500% |
| |
72 Months |
7.750% |
| |
84 Months |
8.250% |
| 580-619 |
36 Months |
8.250% |
| |
48 Months |
8.750% |
| |
60 Months |
9.000% |
| |
72 Months |
9.250% |
| |
84 Months |
9.500% |
| Balloon Minimum $15,000 |
| 700-800 |
3 Year Balloon |
5.500% |
| |
5 Year Balloon |
6.000% |
| 620-699 |
3 Year Balloon |
6.000% |
| |
5 Year Balloon |
6.500% |
| 580-619 |
3 Year Balloon |
6.750% |
| |
5 Year Balloon |
7.000% |
| APR=Annual Percentage Rate |
Previously Owned Motorhomes (RVs)
Effective Date: Oct 1, 2025
Maximum loan amount not to exceed 70% of JD Power retail value or appraised value
| Credit Score | Term | APR |
| 700-800 |
36 Months |
6.250% |
| |
48 Months |
6.500% |
| |
60 Months |
6.750% |
| |
72 Months |
7.250% |
| |
84 Months |
7.750% |
| 620-699 |
36 Months |
6.750% |
| |
48 Months |
7.250% |
| |
60 Months |
7.500% |
| |
72 Months |
7.750% |
| |
84 Months |
8.250% |
| 580-619 |
36 Months |
8.250% |
| |
48 Months |
8.750% |
| |
60 Months |
9.000% |
| |
72 Months |
9.250% |
| |
84 Months |
9.500% |
| Balloon Minimum $15,000 |
| 700-800 |
3 Year Balloon |
5.500% |
| |
5 Year Balloon |
6.000% |
| 620-699 |
3 Year Balloon |
6.000% |
| |
5 Year Balloon |
6.500% |
| 580-619 |
3 Year Balloon |
6.750% |
| |
5 Year Balloon |
7.000% |
| APR=Annual Percentage Rate |
Member Signature Loans
Effective Date: Sept 1, 2025
| Term | Credit Score | APR |
| 12-120 Months |
700-800 |
9.500% |
| |
620-699 |
10.500% |
| |
580-619 |
11.500% |
All Other Secured Loans
Effective Date: Oct 1, 2025
| Credit Score | Term | APR |
| 700-800 |
36 Months |
6.250% |
| |
48 Months |
6.750% |
| |
60 Months |
7.500% |
| |
72 Months |
7.750% |
| |
84 Months |
8.500% |
| 620-699 |
36 Months |
6.750% |
| |
48 Months |
7.500% |
| |
60 Months |
8.000% |
| |
72 Months |
9.000% |
| |
84 Months |
9.750% |
| 580-619 |
36 Months |
7.250% |
| |
48 Months |
7.750% |
| |
60 Months |
8.250% |
| |
72 Months |
9.750% |
| |
84 Months |
10.250% |
| APR=Annual Percentage Rate |
Payback Pro
Effective Date: Oct 1, 2025
Payback Pro Loan - Fully Secured with home, vehicle, etc.
| Type | Term | APR |
| Up to $9,999 96 Month AM |
3 Year |
6.500% |
| |
5 Year |
7.250% |
| |
7 Year |
8.500% |
| $10,000 to $39,999 180 Month AM |
3 Year |
7.250% |
| |
5 Year |
8.250% |
| |
7 Year |
9.250% |
| $40,000 to $50,000 240 Month AM |
3 Year |
7.500% |
| |
5 Year |
8.500% |
| |
7 Year |
9.500% |
| APR=Annual Percentage Rate |
Go to main navigation