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Rates

Rates Effective January 1, 2022

Automobile - New Vehicle
Maximum Term Maximum Financing Estimated Monthly Payment Per $1,000 APR as low as
Up to 36 months 100% $30.47 2.50%
37 - 60 months 100% $18.92 2.90%
61 - 72 months 100% $16.22 3.38%
73 - 84 months 100% $14.61 4.36%

Annual Percentage Rate (APR) based on a loan amount of $15,000 including a $60 processing fee and subject to change without notice. Minimum loan amount of $25,000 required for 76-84 month term. All loans are subject to credit approval and credit history. New auto is a current year vehicle with no more than 6,000 miles on the odometer. In-house refinance fee of $200 or $2,000 cash out requirement will apply on current Members First loans that are refinanced. Maximum Loan to Value (LTV) and rate determined by credit history. VSI of $75-$95 will be charged per collateral.


Automobile - Used Vehicle
Maximum Term Maximum Financing Estimated Monthly Payment Per $1,000 APR as low as
Up to 36 months 100% $30.47 2.50%
37 - 60 months 100% $18.92 2.90%
61 - 72 months 100% $16.22 3.38%
73 - 84 months 100% $14.61 4.36%

Annual Percentage Rate (APR) based on a loan amount of $15,000 including a $60 processing fee and subject to change without notice. Minimum loan amount of $25,000 required for 76-84 month term. All loans are subject to credit approval and credit history. Used vehicles over 6 years old, add 1.00%. In-house refinance fee of $200 or $2,000 cash out requirement will apply on current Members First loans that are refinanced. Maximum Loan to Value (LTV) and rate determined by credit history. VSI of $75-$95 will be charged per collateral.