Loan rates

Loan Rates

New and Used Vehicles 2022-2018
Term Rate APR*
36 2.49% 2.49%
48 2.99% 2.99%
60 3.24% 3.24%
72 3.79% 3.79%
84 (on vehicles $40,000+ only) 4.29% 4.29%
Used Vehicles 2017-2013
Term Rate APR*
36 4.24% 4.24%
48 4.74% 4.74%
60 4.99% 4.99%
Used Vehicles 2012-2009**
Term Rate APR*
36 5.54% 5.54%
48 5.79% 5.79%
Recreational Vehicles 2022-2015
Term Rate APR*
36 3.99% 3.99%
48 4.29% 4.29%
60 4.54% 4.54%
72 4.89% 4.89%
120 5.49% 5.49%
180 6.99% 6.99%
Recreational Vehicles 2014 & Older
Term Rate APR*
36 4.59% 4.59%
48 4.84% 4.84%
60 5.04% 5.04%
72 5.64% 5.64%

*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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