Car, truck, SUV, motorcycle loans and more
Start shopping for your new vehicle today, or tell us what kind of car or truck you'd like to purchase and let us do the shopping for you. Get 100% financing, flexible & customized terms, and affordable payment options. Save on auto loan rates compared to dealer rates!
All Prospera vehicle loans come with:
- Competitive auto loan rates
- Free 24-hour online, mobile, and telephone account access, eStatements, Text Banking, and eAlerts
- Optional Payment protection if you become sick or injured
- Optional GAP protection
- Optional Mechanical Repair Coverage
Car, Truck, Motorcycle, RV, and Boat Loan RatesApply for a Vehicle Loan
|LOAN TYPE||APR1 (as low as)||PAYMENT PER $1000.00||TERM|
|LOAN TYPE: 2015 - newer||APR1 (as low as): 1.99%||PAYMENT PER $1000.00: $21.70||TERM: 4 year|
|LOAN TYPE: 2018- newer||APR1 (as low as): 1.99%||PAYMENT PER $1000.00: $14.76||TERM: 6 year|
|LOAN TYPE: 2015-2017||APR1 (as low as): 1.99%||PAYMENT PER $1000.00: $17.53||TERM: 5 year|
|LOAN TYPE: 2012-2014||APR1 (as low as): 3.15%||PAYMENT PER $1000.00: $22.20||TERM: 4 year|
|LOAN TYPE: 2011-older||APR1 (as low as): 4.50%||PAYMENT PER $1000.00: $29.75||TERM: 3 year|
1APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Your rate can be higher or lower depending on credit performance and account relationship. Financing up to the retail value of the auto is available. Rate subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer. Lowest APR = 1.99% APR. Rate quoted is the as low as rate with active checking and autopay; without active checking and autopay rate is increased by .50%. Example: $10,000 at 1.99% APR for four years is equal to a monthly payment of $245.57. Payment calculation based on principal, interest and loan protection coverage. Active Checking: checking account must be active with a minimum of 10 transactions per month. Automatic transfers to another Prospera account or loan are not considered in the transactions per month.
Applicable to new money loans of not less than $5,000 and requires active checking – minimum 10 transactions per month – and autopay. Valid on auto, boat, and recreational vehicles only; does not apply to credit cards, unsecured signature loans, business loans, mortgage or home equity loans. Certain restrictions apply.
Rates as of 04/01/2021 at 9:28 AM. Subject to change without notice.
Prospera's Free Auto Buying Service
If you know what kind of vehicle you’re looking for and prefer a more stress-free approach, try Prospera’s Free Auto Buying Service. We’ll handle everything from setting up the test drive to getting you the best value.
Our Dealer Relations Specialist, Mike Nichols, will be your personal auto shopper. Simply submit the quick form below and Mike will do the leg work for you and contact you via your preferred method within 24 hours.
“Mike is the WD-40 of the auto buying world... FRICTIONLESS! Mike listened to my needs and said, I got a guy...call him. I went from no car to AWESOME car in less than 24 hours. Mike Rocks!”
“Prospera has helped me and my family when we needed it the most, whether that be a small loan to cover the cost of an unplanned expense or finding us a vehicle and giving us the ability to drive away in it 2 days later. Prospera is truly, for their members! ”