Whether you’re looking for a new or used vehicle, MemberFocus is the best place for your auto loan.
We offer the same low rates on new, used and refinanced vehicles. Financing is available for automobiles, motorcycles, RVs and ATVs. We’ve helped hundreds of people, just like you, refinance their loans, saving them thousands.
| Credit Score | Interest Rate* | Term | Loan-to-Value | |
|---|---|---|---|---|
| New or Used | 700+ | 2.49% | up to 84 mo. | 125% |
| New or Used | 671-699 | 3.24% | up to 84 mo. | 125% |
| New or Used | 641-670 | 5.24% | up to 72 mo. | 100% |
| New or Used | 601-640 | 7.74% | up to 72 mo. | 95% |
| New or Used | 550-600 | 13.29% | up to 72 mo. | 90% |
| First Time Car Buyer | - | 5.24% | up to 36 mo. | 100% |
| First Time Car Buyer | - | 7.74% | up to 48 mo. | 100% |
| First Time Car Buyer | - | 8.74% | up to 60 mo. | 100% |
Lowering your auto loan rate by just 1% APR* can save you upwards of $500 in interest charges!**
Related Links
- Payment Calculator
- Auto Loan Refinancing
- First Time Car Buyer Program
- CARFAX
- Auto Insurance Discounts
- GAP Insurance
*Rates stated are annual percentage rates (APR). 84 month term is only available for loans over $30,000 and are also a different rate than lower term loans. All loans are subject to credit approval. Rates are determined by credit history, underwriting standards and conditions. Programs, rates, terms and conditions are subject to change without notice.
**Example: $20,000 auto loan financed at 3.34% APR over 60 months = $1,744.24 finance charge. The same $20,000 loan at 2.34% APR over 60 months = $1,212.28 finance charge. A savings of $531.96.
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