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Excellent Credit: You always pay your bills on time, rarely carry a credit card balance, and have little to no outstanding debt.

Loan Terms Car Motorcycle Boat
24 months 1.74 - 2.24% 5.24 - 5.49% 5.24 - 5.49%
36 months 1.74 - 2.24% 5.24 - 5.49% 5.24 - 5.49%
48 months 1.74 - 2.24% 5.24 - 5.49% 5.24 - 5.49%
60 months 1.74 - 2.24% 5.74 - 5.99% 5.74 - 5.99%
72 months 2.24 - 2.74% 6.49 - 6.74% 6.49 - 6.74%
84 months 2.74 - 3.24% N/A N/A

Good Credit: You almost always pay your bills on time. You may occasionally carry a balance, but generally pay it off completely.

Loan Terms Car Motorcycle Boat
24 months 2.49 - 2.99% 5.74 - 5.99% 5.74 - 5.99%
36 months 2.49 - 2.99% 5.74 - 5.99% 5.74 - 5.99%
48 months 2.49 - 2.99% 5.74 - 5.99% 5.74 - 5.99%
60 months 2.49 - 2.99% 6.24 - 6.49% 6.24 - 6.49%
72 months 2.99 - 3.49% 7.24 - 7.49% 7.24 - 7.49%
84 months 3.74 - 4.24% N/A N/A

Average Credit: Though you may have a few small credit issues, you generally pay your debts and usually carry a balance on your credit cards.

Loan Terms Car Motorcycle Boat
24 months 3.74 - 4.24% 6.24 - 6.49% 6.24 - 6.49%
36 months 3.74 - 4.24% 6.24 - 6.49% 6.24 - 6.49%
48 months 3.74 - 4.24% 6.24 - 6.49% 6.24 - 6.49%
60 months 3.74 - 4.24% 6.74 - 6.99% 6.74 - 6.99%
72 months 4.49 - 4.99% N/A N/A
84 months 4.74 - 5.24% N/A N/A

Fair Credit: Your credit rating may fall in this category if you have been late on some payments, are carrying some debt, or are recovering from a default or bankruptcy.

Loan Terms Car Motorcycle Boat
24 months 5.74 - 6.24% 8.74 - 8.99% 8.74 - 8.99%
36 months 5.74 - 6.24% 8.74 - 8.99% 8.74 - 8.99%
48 months 5.74 - 6.24% 8.74 - 8.99% 8.74 - 8.99%
60 months 5.74 - 6.24% N/A N/A
72 months 6.24 - 6.74% N/A N/A
84 months N/A N/A N/A

Needs Improvement: A poor bill-paying history or past default or bankruptcy may put you in this category.

Loan Terms Car Motorcycle Boat
24 months 9.99 - 10.49% N/A N/A
36 months 9.99 - 10.49% N/A N/A
48 months 9.99 - 10.49% N/A N/A
60 months 10.24 - 10.74% N/A N/A
72 months 10.24 - 10.74% N/A N/A
84 months N/A N/A N/A

Excellent Credit: You always pay your bills on time, rarely carry a credit card balance, and have little to no outstanding debt.

Loan Terms Car Motorcycle Boat
24 months 1.99 - 2.49% 5.49 - 5.74% 5.49 - 5.74%
36 months 1.99 - 2.49% 5.49 - 5.74% 5.49 - 5.74%
48 months 1.99 - 2.49% 5.49 - 5.74% 5.49 - 5.74%
60 months 2.24 - 2.74% 5.99 - 6.24% 5.99 - 6.24%
72 months 2.49 - 2.99% 6.74 - 6.99% 6.74 - 6.99%
84 months 3.24 - 3.74 N/A N/A

Good Credit: You almost always pay your bills on time. You may occasionally carry a balance, but generally pay it off completely.

Loan Terms Car Motorcycle Boat
24 months 2.99 - 3.49% 5.99 - 6.24% 5.99 - 6.24%
36 months 2.99 - 3.49% 5.99 - 6.24% 5.99 - 6.24%
48 months 2.99 - 3.49% 5.99 - 6.24% 5.99 - 6.24%
60 months 2.99 - 3.49% 6.49 - 6.74% 6.49 - 6.74%
72 months 3.24 - 3.74% 7.49 - 7.74% 7.49 - 7.74%
84 months 4.24 - 4.74% N/A N/A

Average Credit: Though you may have a few small credit issues, you generally pay your debts and usually carry a balance on your credit cards.

Loan Terms Car Motorcycle Boat
24 months 4.24 - 4.74% 6.49 - 6.74% 6.49 - 6.74%
36 months 4.24 - 4.74% 6.49 - 6.74% 6.49 - 6.74%
48 months 4.24 - 4.74% 6.49 - 6.74% 6.49 - 6.74%
60 months 4.24 - 4.74% 6.99 - 7.24% 6.99 - 7.24%
72 months 4.74 - 5.24% N/A N/A
84 months 5.24 - 5.74% N/A N/A

Fair Credit: Your credit rating may fall in this category if you have been late on some payments, are carrying some debt, or are recovering from a default or bankruptcy.

Loan Terms Car Motorcycle Boat
24 months 5.99 - 6.49% 8.99 - 9.24% 8.99 - 9.24%
36 months 5.99 - 6.49% 8.99 - 9.24% 8.99 - 9.24%
48 months 5.99 - 6.49% 8.99 - 9.24% 8.99 - 9.24%
60 months 5.99 - 6.49% N/A N/A
72 months 6.49 - 6.99% N/A N/A
84 months N/A N/A N/A

Needs Improvement: A poor bill-paying history or past default or bankruptcy may put you in this category.

Loan Terms Car Motorcycle Boat
24 months 10.49 - 10.99% N/A N/A
36 months 10.49 - 10.99% N/A N/A
48 months 10.49 - 10.99% N/A N/A
60 months 10.74 - 11.24% N/A N/A
72 months 10.74 - 11.24% N/A N/A
84 months N/A N/A N/A

*APR=Annual Percentage Rate. Sample loan of $13,000 based on an auto loan at 80% loan-to-value with a 1.99% APR. Monthly payment of $227.79 for 60 months. Loans subject to borrower qualification, not all applicants may be approved. Fees and charges may apply. Effective 12/1/14. <span class="bold">Subject to change without notice.</span> Conditions, restrictions, and terms may apply.

 

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