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: FEBRUARY 12, 2021
|36 MTHS||37-48 MTHS||49-60 MTHS||61-72 MTHS||84 MTHS|
|NEW VEHICLES TO 3YRS OLD||1.99%||2.25%||2.99%||3.09%||3.49%|
|USED VEHICLES (4-10 YRS OLD)||2.49%||3.49%||3.99%||4.09%||XX|
|USED CYCLES (4-10 YRS OLD)||3.25%||3.75%||4.75%||XX||XX|
|12-36 MTHS||37-48 MTHS|
SIGNATURE LOANS(NO COLLATERAL NEEDED)
UP TO $10,000
NEW TO 3 YEAR VEHICLE/CYCLE 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 Financial Calculator »
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
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.
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.
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