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Rates

Effective as of: 09/10/2021

New and Used Vehicles 2021-2017
Term Rate APR*
36 2.14  2.14
48 2.34 2.34
60 2.54 2.54
72 3.09 3.09
84¹ 4.04 4.04
Used Vehicles 2016-2012
Term Rate APR*
36 4.24   4.24  
48 4.74   4.74  
60 4.99   4.99  
Used Vehicles 2011 & Older 
Term Rate APR*
36 5.54   5.54  
48 5.79   5.79  
Recreational Vehicles 2021-2014
Term Rate APR*
36 3.79   3.79  
48 4.29   4.29  
60 4.54   4.54  
72 4.79 4.79
Recreational Vehicles (and more) 2021-2014
Term Rate APR*
73-120² 5.29 5.29
121-180³ 7.49 7.49
Recreational Vehicles 2013 & older
Term Rate APR*
36 4.29   4.29  
48 4.54   4.54  
60 4.79   4.79  
72 5.04 5.04
Share Secured
Rate APR*
5.20 5.20

Take 0.25% off your loan with Auto Pay.*


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*APR=Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
¹84 month term requires the vehicle to be 2017 and newer and the loan amount needs to be over $40,000.

²73-120 month term requires the vehicle to be 2014 and newer and the loan amount needs to be over $25,000.

³121-180 month term requires the toy to be 2014 and newer and the loan amount needs to be over $40,000.