Auto loans

A good car loan can save you money and minimize hassles in your life. We specialize in good vehicle loans.

We offer:

  • Refinancing - If you have an auto loan with another lender you may be eligible for a 1%1 interest rate discount.
  • Fast, fair approvals
  • Great rates
  • A member-centered approach -we always have your best interests in mind.
  • Terms ranging from 24 to 84 months
  • No penalty for paying off your loan early
  • No payments for 90 days for well qualified buyers2

Need help deciding on the best loan for you? Just tell us what's important, and we'll help you find it.


New Auto Loan

2019 and newer
  • Finance up to 125% of MRSP
  • Tax, license, GAP, warranty, service maintenance contract and theft deterrent device3

Used Auto Loan

2013 - 2018

Older Vehicles

2004 - 2012
150,000 Mile Max


  • Finance up to 125% of the Retail Kelley Blue Book
  • Finance up to 115% of Retail Kelly Blue Book
  • Tax, license, GAP, warranty, service maintenance contract and theft deterrent device3

Refinance your current auto loan from another lender. Contact a Lending Representative.

New or Used Motorcycle Loan

  • Borrow up to $50,000

New or Used Boat Loan

  • Borrow up to $75,000
  • Finance boats up to 44 feet in length

New or Used RV Loan

  • Campers
  • Motorhomes
  • Trailers
  • Borrow up to $100,000

New or Used Sport Vehicle Loans

  • ATVs
  • Jet Skis
  • Snowmobiles
  • Utility Tractors
  • Riding Mowers
  • Borrow up to $35,000

1 APR=Annual Percentage Rate. Payment amount and overall savings vary by borrower and are determined by many factors including but not limited to loan amount, term and interest rate. Maximum discount of 1% with a floor of 2.99% APR. Excludes existing Excite Credit Union auto loans. Model years 2012 and newer. Ask a representative for complete details.
2 Interest will accrue during payment deferral period.  

3 Certain restrictions apply contact an Excite representative for details.