Your actual rate depends on your credit profile, loan term, and vehicle type or age. Rates as low as 3.99% APR* are available to qualified members; not all applicants will qualify for the lowest rate. See the current rate sheet for full details.

Most complete applications receive a decision quickly, and approved loans are typically funded within a few business days once all required documents are received.

You'll generally need a valid government-issued ID, proof of income, and vehicle information (such as a purchase agreement, VIN, or year/make/model). For a refinance, we'll also need your current loan payoff details.

Yes. Refinancing may lower your rate or monthly payment depending on your current terms and credit profile; we'll review your existing loan and let you know what's possible.

Trucks, sedans, SUVs, motorcycles, boats, jet skis, RVs, electric and hybrid vehicles, classic cars, and conventional vehicles are all eligible — new, used, or as a refinance.