Rates effective as of November 5, 2025
New Automobile & Motorcycle
(Vehicles with less than 1,000 miles)
| Term & APR* | 720+ | 719-700 | 699-680 | 679-640 | 639-600 | < 600 |
|---|---|---|---|---|---|---|
| 36 months | 4.49% | 5.29% | 6.19% | 7.44% | 11.09% | 13.24% |
| 60 months | 5.24% | 6.04% | 6.59% | 7.64% | 12.34% | 13.99% |
| 72 Months | 5.49% | 6.34% | 6.69% | 7.84% | 12.49% | 14.39% |
| 84 Months1 | 5.79% | 6.79% | 7.14% | 8.69% | 12.79% | 14.69% |
Used Automobiles & Motorcycles
(10 years old and newer)
| Term & APR* | 720+ | 719-700 | 699-680 | 679-640 | 639-600 | < 600 |
|---|---|---|---|---|---|---|
| 36 months | 4.74% | 5.54% | 6.44% | 7.69% | 11.34% | 13.49% |
| 60 months | 5.34% | 6.39% | 7.04% | 7.99% | 12.44% | 14.34% |
| 72 Months | 5.74% | 6.84% | 7.29% | 8.44% | 12.89% | 14.79% |
| 84 Months1 | 5.99% | 7.24% | 7.69% | 9.24% | 13.39% | 15.04% |
Older Automobiles
(Up to 15 years old – based on credit history, collateral condition and Kelley Blue Book value)
| Term & APR* | 720+ | 719-700 | 699-680 | 679-640 | 639-600 | < 600 |
|---|---|---|---|---|---|---|
| 24 - 48 months | 7.75% | 8.00% | 8.75% | 10.25% | 14.75% | 15.75% |
New & Used RV Loans
| Term & APR* | 720+ | 719-700 | 699-680 | 679-640 | 639-600 | < 600 |
|---|---|---|---|---|---|---|
| 24 - 72 Months | 7.69% | 8.19% | 9.19% | 12.19% | 13.49% | N/A |
| 84 Months1 | 7.69% | 8.19% | 9.19% | 12.19% | 13.49% | N/A |
| 120 Months | 8.44% | 8.94% | 10.19% | 13.19% | 13.99% | N/A |
| 180 Months2,3 | 7.94% | 9.44% | 10.69% | 13.69% | N/A | N/A |
* APR determined by credit score.
1Minimum loan balance required for 84 months: $30,000.
2Minimum loan balance required for 180 months: $50,000.
3 RV's must be 15 years or newer to qualify for financing.
APR: Annual Percentage Rate
APY: Annual Percentage Yield
Rates are subject to change without notice.
Certain conditions and restrictions apply.
Call 415-499-9780 for details and current rates.
Loans subject to approval.
Equal housing lender.
NMLS# 1048060