We specialize in good car loans.
An Excite car loan can save you money at least $225 per year and minimize hassles in your life. We specialize in good car loans.
90 Days No Payments
No payments for 90 days for qualified buyers.
24 - 84 Months
Terms ranging from 24 to 84 months.
No Prepayment Penalties
No penalty for paying off your loan early.
Refinancing?
You may be eligible for a 1% rate discount.
Our great rates help you pay less!
New Vehicle Rates
New vehicles are model year 2021 or newer with less than 20,000 miles.
| Min. Loan Amt. | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 3.99%* |
| $5,000 | 49 - 60 months | 3.99%* |
| $15,000 | 61 - 72 months | 4.24%** |
| $20,000 | 73 - 84 months | 4.49%** |
Used Vehicles Rates
Used vehicles are model year 2015 to 2020. Model year 2021 with more than 20,000 miles; 150,000 mile maximum.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 3.99%* |
| $5,000 | 49 - 60 months | 4.24%* |
| $15,000 | 61 - 72 months | 4.49%** |
| $20,000 | 73 - 84 months | 4.74%** |
Older Vehicles Rates
Older vehicles are model years 2008 to 2014; 150,000 mile maximum.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 48 months | 4.74%* |
| $5,000 | 60 months | 5.49%* |
| $5,000 | 72 months | 5.99%* |
| $5,000 | 84 months | 6.24%* |
*Rate reflects a max. .50% discount for the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; and a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
Estimate Your Car Payments
Fast Fair Approvals
Step
1 |
Apply Online Quick and easy online auto loan application. |
Step
2 |
Sign Your Paperwork Agree to the car loan amount, rates, and terms. |
Step
3 |
Get a Check Use your check to buy your new car. |
★★★★★
I've been a member here since May 2015, and gosh has this been an amazing financial establishment! I received an amazing interest rate on my jeep loan, plus this credit union helped me during hurricane Florence! I always recommend friends and family here!
Luis R.
Auto Loan FAQs
You should consider refinancing your car loan if you:
- Improved your credit score
- Want to change the term of your loan
- Have positive equity
Excite can improve your interest rate by up to 1%! Apply Now!
You should avoid refinancing for the time being if:
- You have an older car
- Your loan has prepayment penalties
- You bought the car within the last six months
The following components are a few of the factors that help determine your auto loan’s interest rate:
- Your credit score
- Your debt-to-income ratio
- The age of the car (new vs used)
- The amount and term (how long you will take to pay off) of the loan
For our interest rates, see the chart above.