Loan rates

Loan Rates

New and Used Vehicles 2023-2019
Term Rate APR*
36 3.49% 3.49%
48 3.99% 3.99%
60 4.24% 4.24%
72 4.79% 4.79%
84 (on vehicles $40,000+ only) 5.29% 5.29%
Used Vehicles 2018-2014
Term Rate APR*
36 5.24% 5.24%
48 5.74% 5.74%
60 5.99% 5.99%
Used Vehicles 2013-2010**
Term Rate APR*
36 6.54% 6.54%
48 6.79% 6.79%
Recreational Vehicles 2023-2016
Term Rate APR*
36 3.99% 3.99%
48 4.29% 4.29%
60 4.54% 4.54%
72 (Over $25,000) 4.89% 4.89%
120 (Over $25,000) 5.74% 5.74%
180 (Over $40,000) 6.99% 6.99%
Recreational Vehicles 2015 & Older
Term Rate APR*
36 4.84% 4.84%
48 5.04% 5.04%
60 5.64% 5.64%
72 5.89% 5.89%

*APR=Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
¹84 month term requires the vehicle to be 2017 and newer and the loan amount needs to be over $40,000.

²73-120 month term requires the vehicle to be 2014 and newer and the loan amount needs to be over $25,000.

³121-180 month term requires the toy to be 2014 and newer and the loan amount needs to be over $40,000.

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