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 car shopping for you. Get 100% financing, flexible & customized terms, and affordable payment options. Save on auto loan rates compared to dealer rates!
Car, Truck, Motorcycle, RV, and Boat Loan Rates
Apply for a Vehicle Loan| LOAN TYPE | TERM | Interest Rate (as low as) | APR1 (as low as) | Payment per $1000 |
|---|---|---|---|---|
| LOAN TYPE: 2023 - newer | TERM: up to 72 months | Interest Rate (as low as): 4.49% | APR1 (as low as): 5.369% | Payment per $1000: $15.88 |
| LOAN TYPE: 2020 - 2022 | TERM: up to 60 months | Interest Rate (as low as): 4.49% | APR1 (as low as): 5.534% | Payment per $1000: $18.65 |
| LOAN TYPE: 2017- 2019 | TERM: up to 48 months | Interest Rate (as low as): 5.49% | APR1 (as low as): 6.787% | Payment per $1000: $23.26 |
| LOAN TYPE: 2016 - older | TERM: up to 36 months | Interest Rate (as low as): 6.99% | APR1 (as low as): 8.706% | Payment per $1000: $30.88 |
|
1Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Rates as of 09/01/2026. Subject to change without notice. |
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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 Schmoll, will be your personal auto shopper. Simply submit the quick form below and Mike contact you via your preferred method within 24 hours.
Auto Buying Service Request
Use this form to put Prospera's free, expert Auto Buying Service to work for you.
Boat Loans
Enjoy more time on the water with a boat loan designed around your needs. With flexible terms, affordable payments, and up to 100% financing available, your next adventure is within reach.
Prospera boat loans include:
- Competitive rates
- Free 24-hour online, mobile, and telephone account access
- Optional Payment protection (your payment is covered in the unlikely event you become sick or injured)
- Optional GAP protection (in the event your vehicle is in an accident and you owe more than the value, GAP will cover the difference)
RV Loans
Ready for your next getaway? We can help finance new and used motorhomes, campers, and travel trailers with flexible terms, affordable payments, and up to 100% financing available. Wherever the road takes you, we’re here to help you get there.
All Prospera RV and camper loans come with:
- Competitive rates
- Free 24-hour online, mobile and telephone account access
- Optional payment protection (your payment is covered in the unlikely event you become sick or injured)
- Optional GAP protection (in the event your vehicle is in an accident and you owe more than the value, GAP will cover the difference)
“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! ”
