Division 10 Highway
Employees' Credit Union
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  • Loan Rates
     
     

     

    Notes:
    APR is "Annual Percentage Rate"

    Rates effective as of January 1, 2017

     

     

    NEW Loan Rate Specials

     

    New Collateral Loans (with Titles)

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    701 +

    110% of purchase price

    3.00% APR

    60 months

    3.50% APR

    72 months

    651 – 700

    110% of purchase price

    3.50% APR

    60 months

    4.00% APR

    72 months

    601 – 650

    110% of purchase price

    5.00% APR

    60 months

    5.50% APR

    72 months

    551 – 600

    110% of purchase price

    9.00% APR

    Up to 60 months

    500 – 550

    110% of purchase price

    11.00% APR

    Up to 60 months

    Considered new if the year model is 2015 and newer and has less than 25,000 miles

    (Does not apply to collateral with salvage or prior salvage titles)

     

    Used Collateral Loans (with Titles)

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    701 +

    100% of Black Book Clean Retail

    4.00% APR

    60 months – Model years 2017 - 2014

    54 months – Model years 2013 - 2011

    48 months – Model years 2010 - 2008

    36 months – Model years 2007 - older

    651 - 700

    100% of Black Book Clean Retail

    4.50% APR

    60 months – Model years 2017 - 2014

    54 months – Model years 2013 - 2011

    48 months – Model years 2010 - 2008

    36 months – Model years 2007 - older

    601 - 650

    100% of Black Book Clean Retail

    6.00% APR

    60 months – Model years 2017 - 2014

    54 months – Model years 2013 - 2011

    48 months – Model years 2010 - 2008

    36 months – Model years 2007 - older

    551 - 600

    100% of Black Book Clean Retail

    10.00% APR

    60 months – Model years 2017 - 2014

    54 months – Model years 2013 - 2011

    48 months – Model years 2010 - 2008

    36 months – Model years 2007 - older

    500 - 550

    100% of Black Book Clean Retail

    12.00% APR

    60 months – Model years 2017 - 2014

    54 months – Model years 2013 - 2011

    48 months – Model years 2010 - 2008

    36 months – Model years 2007 - older

     

     

    NEW Collateral Loans (No Title)

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    701 +

    100% of purchase price

    4.50% APR

    60 months

    651 – 700

    100% of purchase price

    5.00% APR

    60 months

    601 – 650

    100% of purchase price

    6.50% APR

    60 months

    551 – 600

    100% of purchase price

    10.50% APR

    60 months

    500 – 550

    100% of purchase price

    12.50% APR

    60 months

     

    USED Collateral Loans (No Title)

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    701 +

    80% of purchase price

    7.00% APR

    48 months

    651 – 700

    80% of purchase price

    7.50% APR

    48 months

    601 – 650

    80% of purchase price

    9.00% APR

    48 months

    551 – 600

    80% of purchase price

    13.00% APR

    48 months

    500 – 550

    80% of purchase price

    15.00% APR

    48 months

    Applies to collateral that has a serial number or VIN# and will be secured by filing a UCC-1 with the Secretary of State

     

    Unsecured Signature Loan

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    701 +

    $7,500.00

    10.75% APR

    48 months

    651 – 700

    $7,500.00

    11.25% APR

    48 months

    601 – 650

    $5,000.00

    12.75% APR

    42 months

    551 – 600

    $3,000.00

    16.75% APR

    36 months

    500 – 550

    $2,000.00

    18.75% APR

    24 months

     

    Share Loan (Loan secured by your shares)

    If your credit score is:

    You can borrow up to:

    At this rate:

    For this length of time:

    N/A

    Available shares

    2.50% APR

    Up to 60 months

     

    **Special Notice:  Credit score does not guarantee approval of loan

    The interest rates listed will apply to loans with automatic payments.  If manual payments are used the interest rate will be 1% higher than the listed rate.  If Black Book is not available, we will use NADA values.  Rates are subject to change without notice.

     

     

    ©2017 Division 10 Highway Employees' Credit Union