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Loans

CHECK OUT THE LOW 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 $10,000 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.

EFFECTIVE: October 25, 2022

  1-48 MTHS 49-60 MTHS 61-72 MTHS 84 MTHS
NEW VEHICLES TO 3YRS OLD 2.99% 3.99% 4.49% 5.09%
NEW CYCLES 4.09% 5.09% 5.99% XX
USED VEHICLES (4-10 YRS OLD) 3.75% 4.49% 4.99% XX
USED CYCLES (4-10 YRS OLD) 4.25% 5.25% 5.99% XX
NEW RECREATIONAL
(CAMPERS/4 WHEELERS)
4.75% 5.75% 5.99% XX
USED RECREATIONAL 5.25% 5.99% 6.99% XX
SHARE SECURED 2.09% 2.99% 3.09% XX
12-36 MTHS 37-48 MTHS
SIGNATURE LOANS
(NO COLLATERAL NEEDED)
UP TO $10,000
7.99% 8.99%    

100% FINANCING ON NEW TO THREE YEAR OLD VEHICLES/CYCLES

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

CAMPERS/4 WHEELERS ARE BASED ON 80% APPRAISED VALUE (ADD 2.0% 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

   

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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