* Note that “max term” is the highest amount of time you are able to obtain the “as low as” interest rate. Also note that interest rates are determined by which lending tier your FICO credit score places you into.

Credit Union #1

For Cars/Trucks Model Year 2012 and Newer

Max 48 months as low as 1.99% (100% financing available)

Max 65 months as low as 2.49% (100% financing available)

Max 75 months as low as 2.74% (100% financing available)

Max 84 months as low as 2.99% (100% financing available)

Model Year 2009-2011

Max 72 months as low as 2.99% (100% financing available)

Model Year 2006-2008

Max 60 months as low as 3.49% (100% financing available)

MY 2003-2005

Max 48 months as low as 5.49% (100% financing available)

MY 1995-2002

Max 36 months as low as 7.24% (100% financing available)

Classic Vehicles (Restored, MY 1994 and older)

Max 60 months as low as 8.74% (100% financing available)


Credit Union #2

New Vehicles

Max 84 months as low as 2.25% (100% financing available)

*New Vehicle = Current model year or up to 2 model years older with under 25,000 miles.

Used Vehicles

Max 72 months as low as 2.25% (100% financing available)


The only advice I have is pay the expense off as soon as possible. Whether it’s the day you sign or 1 month sooner than your loan term, the sooner the better. That includes “0% financing.” If you’re going to pay the expense off in 36 months then go ahead and finance either 36 months @ 2.25% APR or 84 months @ 2.25% APR. You want to buy something that’s double your annual income? Do whatever you want, you’re an adult. You can rationalize and argue any decision and find at least ONE supporter. Just get rid of any expense as quickly as you can and I’ll always be excited to see whatever it is you’re showing off.