Vehicle and Recreational Vehicle Rates

Effective December 1, 2024.

New/Used Vehicle

      
      New Vehicle
      
    	Model Year
      	Term
      	APR*
    
    	2023 and 2024
      	36 - 84 Months
      	5.74% - 16.50%
    
      Used Vehicle
      
    	Model Year
      	Term
      	APR*
    
    	2022 and Newer
      	36 - 84 Months
      	6.74% - 16.75%
    
    	2015 - 2021
      	36 - 72 Months
      	7.74% - 17.50%

      
      Terms and Conditions - Vehicle Loans 

•	The specific rate and term will be dependent on credit rating, collateral value, amount financed and relationship with BFCU.

•	Loan terms and rates are subject to change.

•	All taxes and other fees are the responsibility of the member.

• Discounts for direct multiple services (0.25% APR*) and direct deposit with automatic payments (.50% APR*) with BFCU may be applied as low as the rate indicated under each term tier above.
       
•	To verify competitors approved interest rate and terms, member must provide a copy of the current loan contract, or approved loan letter.

•	All loans are subject to BFCU lending policies and subject to credit approval.

New/Used Recreational Vehicle

      
      New Recreational Vehicle
      
    	Model Year
      	Term
      	APR*
    
    	2023 - 2024
      	36 - 84 Months
      	9.50% - 16.50%
    
      Used Recreational Vehicle
      
    	Model Year
      	Term
      	APR*
    
    	2015 - 2022
      	36 - 84 Months
      	10.50% - 17.75%

      
      Terms and Conditions - Recreational Vehicle Loans 

If financing through Border Federal Credit Union:   

•                  Applicant must be a member or become a member of Border Federal Credit Union

•    Applicant must be employed in the same line of work no less than two (2) consecutive years under a full-time employment status to be considered for this loan

•    If self-employed, the primary proof of income required is applicant’s previous two (2) years tax returns

•    Completed loan application and verification of income required to process loan request

•    Borrower’s income must be sufficient to fulfill all outstanding debt.  Must meet Border FCU’s credit obligation guidelines.  All loan requests by members are subject to credit union lending guidelines

•    Loan interest rate discounts available for direct deposit; automatic loan payments and other credit union services

•    Minimum loan amount for used recreational vehicles is $3,000

              •    Available loan terms of up to 84 months
              
All loans are subject to BFCU lending policies and subject to credit approval.

Apply today!

Disclosures

The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and relationship with Border FCU.

*APR = Annual Percentage Rate

ALLOWABLE DISCOUNTS

0.50% discount may apply for Direct Deposit and Automatic Loan Payments with Border FCU.
0.25% discount may apply if the borrower utilizes two additional Border FCU services (ie. VISA, Checking, Term Share Certificates, IRA's, Credit Life and Credit Disability, and other loans)

Values will be determined based on the NADA Guide.
100% financing available
Certain Restrictions Apply, Subject to Credit Approval

For Additional Information on our current rates, please call Border FCU (830) 774-2328 or U.S. Toll Free (800) 580-3503.