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 $10,000.00 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:
6/21/2023
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12 - 48 Mos.
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49 - 60 Mos.
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61 - 72 Mos.
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84 Mos.
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| NEW VEHICLES TO 3YRS OLD |
4.99% APR
|
5.99% APR
|
6.99% APR
|
7.49% APR |
| NEW CYCLES |
6.49% APR
|
7.49% APR
|
7.99% APR
|
XX |
USED VEHICLES (4-10 YRS OLD)
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5.25% APR
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6.25% APR
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7.25% APR
|
XX |
USED CYCLES
|
6.99% APR
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7.99% APR
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8.49%APR
|
xx |
| New Recreational (Campers/4 Wheelers) |
5.99% APR
|
6.99% APR
|
7.25% APR
|
XX |
| Used Recreational |
6.25% APR
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7.25% APR
|
7.99% APR
|
XX |
| Share Secured |
2.49% APR
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3.49% APR
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3.99%APR
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xx |
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12 - 36 Mos. |
37 - 48 Mos.
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| Signature Loans (No Collateral Needed) Up to $10,000.00 |
7.99% APR
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8.99% APR
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100% FINANCING ON NEW TO THREE YEAR OLD VEHICLES/CYCLES
USED CAR/CYCLES (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 WHEELER ARE BASED ON 80% APPRAISED VALUE (ADD 2.00% 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 ratio is above 45% but lower than 50%, or the credit score is above 630 but lower than 700, there will be a 2.00% 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 3.00% surcharge 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.
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