New & Used Vehicle Loans 

 


If you are in the market for a new or pre-owned auto, boat, or RV, let us customize a loan to suit your personal needs. We offer competitive fixed rates and flexible repayment terms with little or no down payment required. And with our same day approval, we get you on the path to owning your new boat, vehicle or RV faster.

 

New or Used Vehicle, Marine & RV Loans Details

  • Competitive fixed rates and flexible repayment terms.
  • Same day approval by local lenders.
  • Interest rate discount of 1/4% on most loans with Autopay (payment automatically deducted from a Citizens First checking or savings account).
  • Credit Life/Accident & Health Insurance available.
  • Low or no down payment requirement.
  • Coupon book provided for convenient payment making. 

 

Vehicle Loans
TypeTermRateAPR
2009-201060 Months5.53%5.7054%
2009-201066 Months5.53%5.6908%
2009-201072 Months6.03%6.1799%
200860 Months5.53%5.7054%
2006-200760 Months5.73%5.9071%
2004-200560 Months6.23%6.4079%
200360 Months6.23%6.4079%
200248 Months6.23%6.4467%
Classic 1974 Older60 Months8.49%8.6350%
Example: A loan amount of $25,000 at 5.530% for 60 months would have a monthly payment of $477.88.
*APR is Annual Percentage Rate. Automobile rates are based on your credit score. The rates shown are our best rates, therefore, the rate may increase based on the level of your credit score. Rates are as of 11/03/2009 and are subject to change.
Marine & Campers (1999-2009)
TypeTermRateAPR
Up to $9,99984 Months6.75%7.0123%
$10,000 - $14,999120 Months6.48%6.6698%
$15,000 - $24,999144 Months6.29%6.3426%
$25,000 +180 Months6.33%6.3798%
Example: A loan amount of $25,000 at 6.090% for 180 months would have a monthly payment of $212.18.
*APR is Annual Percentage Rate. Rates are as of 10/08/2009 and are subject to change.
Snowmobile/Motorcycle/Personal Watercraft/Garden Tractor/Utility Trailer
TypeTermRateAPR
$500 - $4,99960 Months8.31%9.0283%
$5,000 +60 Months7.31%8.0174%
Example: A loan amount of $5,000 at 7.310% for 60 months would have a monthly payment of $99.74.
*APR is Annual Percentage Rate. Maximum age 5 years; older motorcycles will be considered. Rates are as of 11/03/09 and are subject to change.