Like Us on Facebook

Loan Rates

Vehicle Loan Rates and Terms

Buying a new or used vehicle? Call us at 1-800-360-6362 and we'll take the application over the phone. We offer terms to fit most any budget and up to 90 days before your first payment is due.

Less than perfect credit? Work with us to finance your next vehicle and save big money over the options available at the dealership!

Already financed somewhere else? We want your business. And when you bring your loan to On The Grid Financial your first payment can be due up to 90 days later, putting cash in your pocket now!

Ready to get started? Your rate on a new or used vehicle can be as low as 1.99% APR*. And, you can borrow up to 125% of the value of the vehicle. Finally, we'll give you as long as 90 days before making your first payment. Why wait? Get started now. Call us at 1-800-360-6362 and we'll take the application over the phone.

New and Used Auto Loans: Effective January 4, 2016
Model Years Approx. Term (Months) Rates Without Discounts As Low As
2014- newer   0 - 60 Months 1.99% APR*
2014- newer 61 - 72 Months 2.49% APR*
2014- newer 73 - 84 Months 3.24% APR*
2011 - 2013   0 - 60 Months 1.99% APR*
2011 - 2013 61 - 72 Months 2.99% APR*
2008 - 2010   0 - 60 Months 4.99% APR*
2007 - older   0 - 36 Months 5.99% APR*

* APR=Annual Percentage Rate. As low as rate of 1.99% is for the purchase of a 2014 or newer model vehicle with a maximum term of 60 months. Monthly payments at 1.99% for 60 months will be $17.42 per $1,000 borrowed. Your rate may be different based on your creditworthiness and could be higher than stated rate. Rates effective as of January 4, 2016. All rates and terms quoted are subject to change. Membership eligibility is required. A $10 Membership Account is required.

Or take the road less traveled.

We can provide you with a rate as low as 4.25% APR** on the purchase of RVs, ATVs, boats and personal watercraft. You can borrow up to 100% of NADA (National Automobile Dealers Association) value AND take up to 90 days before making your first payment. Give us a call at 1-800-360-6362 to get moving.

Adventure Loans: Effective January 4, 2016
Approx. Term (Months) Rates Without Discounts As Low As
  0 - 60 Months 4.50% APR**
61 - 72 Months 5.00% APR**
73 - 84 Months 6.00% APR**

Other Collateral model years 2011 and newer, including RV's, PowerSport and Water Craft. Longer terms available based on amount financed.

** APR=Annual Percentage Rate. As low as rate of 4.25% is for the purchase of a 2011 or newer model RV, boat or personal watercraft with a maximum term of 60 months. Monthly payments at 4.25% for 60 months will be $18.53 per $1,000 borrowed. Your rate may be different based on your creditworthiness and could be higher than stated rate. Rates effective as of January 4, 2016. Borrow up to 100% of NADA value of vehicle. All rates and terms quoted are subject to change. Membership eligibility is required. A $10 Membership Account is required.

Are you paying at or near retail value? Add GAP protection and peace of mind for as little as $299.

We also offer Mechanical Repair Policies and coverage for Loss of Life and Disability.

Calculate A Vehicle Payment