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Loans

CHECK OUT THE NEW LOWER LOAN RATES

We offer loans for a variety of reasons. Take that vacation, buy a new four-wheeler, car, truck or camper. Call us for quick processing.

We offer 100% financing based on the N.A.D.A. average retail price or the sticker price vehicles one to two years old. vehicles that are three to ten years old, 80% of the average retail can be borrowed. Used cars older than 10 years cannot be considered collateral for vehicle loans. You can also borrow up to $7,500 on your signature. Members may be charged up to a 3.00% premium on your loan rate based on your debt ratio and/or credit score.

Current Rates Effective: July 2017
 
12 - 48 Mos.
49 - 60 Mos.
61 - 72 Mos.
84 Mos.
NEW VEHICLES TO 3YRS OLD
1.99% APR
2.49% APR
3.99% APR
4.99% APR
NEW CYCLES
2.99% APR
3.49% APR
4.99% APR
XX
USED VEHICLES (4-10 YRS OLD)
2.99% APR
3.99% APR
4.99% APR
XX
USED CYCLES
3.99% APR
4.99% APR
New Recreational (Campers/4 Wheelers/Boats)
3.99% APR
5.99% APR
6.99% APR
Used Recreational
5.99% APR
6.99% APR
7.99% APR
Share Secured
1.50% APR
2.50% APR
  
 
12 - 36 Mos.
37 - 48 Mos.
Signature Loans (No Collateral Needed) Up to $7,500
8.90% APR
9.90% APR

NEW TO 3 YEAR VEHICLE RATE IS FOR 90% OF INVOICE OR AVERAGE RETAIL FINANCING
IF A GREATER AMOUNT IS NEEDED (UP TO 100%) ADD 1.0% TO THE ABOVE RATES

USED CAR (4-10 YRS) COLLATERAL IS BASED ON 90% OF THE AVERAGE PRICE BASED ON NADA VALUES. (ADD 2% FOR AMOUNT GREATER THAN 90%)

CAMPERS/BOATS ARE BASED ON 75% OF THE ACTUAL PURCHASE PRICE

4 WHEELERS ARE BASED ON 80% THE APPRAISED VALUE (ADD 1.0% IF AN AMOUNT GREATER THAN 80% IS NEEDED)

THE FOLLOWING RISK TIERS ARE APPLICABLE ON ALL LOAN APPLICATIONS

TIER (1) If the net debt ratio is lower than 45% and the credit score is 700 or higher, the applicant can qualify for a loan at the posted rates.

TIER (2) If the net debt artio is above 45%. But lower than 50%, or the credit score is above 630 but lower than 700, there will be a 2.0% surcharge added to the posted rates.

TIER (3) If the net debt ratio is above 50%, but not greater than 55%, or the credit score is below 630, there will be a 3.0% surchage added to the posted rates.

APPLICANTS WILL NOT BE CONSIDERED FOR LOAN APPROVAL IF NET DEBT RATIOS ARE GREATER THAN 55% OR CREDIT SCORES ARE LOWER THAN 590.

To apply just print out the loan application here and mail or fax it back to:

USNEP Employees FCU
30 E Court
Lewisburg, PA 17837
Fax: 570-523-1711

If you wish to see what your monthly payment is, just click on our loan calculator below.

   

We do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act.

Copyright 2003 - Pennsylvania Credit Union Association

 
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