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Loan rates

Loan Rates

New and Used Vehicles 2020 - 2024
Term Rate APR*
36 4.99% 4.99%
48 5.49% 5.49%
60 6.00% 6.00%
72 6.29% 6.29%
84** 6.79% 6.79%
Used Vehicles 2015 - 2019
Term Rate APR*
36 6.49% 6.49%
48 6.99% 6.99%
60 7.24% 7.24%
Used Vehicles 2011 - 2014**
Term Rate APR*
36 7.54% 7.54%
48 7.79% 7.79%
Recreational Vehicles 2017 - 2024
Term Rate APR*
36 5.49% 5.49%
48 5.79% 5.79%
60 6.07% 6.07%
72 6.39% 6.39%
73-120 (Over $25,000) 6.49% 6.49%
180 (Over $40,000) 7.49% 7.49%
Recreational Vehicles 2016 & Older
Term Rate APR*
36 6.09% 6.09%
48 6.29% 6.29%
60 6.89% 6.89%
72 7.14% 7.14%

*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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