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Loans

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#1 auto lender in Otero, Lincoln & Chaves Counties

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Vehicle Loans

vehicle-loans-table table
Type of LoanMaximum Loan AmountBase TermBase APR
New Automobiles (Cars, Trucks, and Vans)
(Never been titled and less than 12,000 miles / a refinance from another lender within 90 days of purchase)Up to 125% of Manufacturer's suggested retail price including freight per the current new car pricing guide, plus premiums for debt protection, extended warranty, GAP, state regulated documentation fee, tax, title and license feesUp to 60 months3.24%
61 - 75 months3.49%
76 - 84 months3.99%
Used Automobiles (Cars, Trucks, and Vans)
Current calendar year, up to 3 years oldUp to 125% of retail value per the NADA Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, state regulated documentation fee, tax, title and license feesUp to 60 months3.24%
61 - 75 months3.49%
76 - 84 months3.99%
Four to ten years oldUp to 125% of retail value per the NADA Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, state regulated documentation fee, tax, title and license feesUp to 60 months3.74%
61 - 75 months4.24%
Eleven years and olderUp to 125% of retail value per the NADA Used Car Guide plus options, mileage allowance and deductions, premiums for debt protection, extended warranty, GAP, state regulated documentation fee, tax, title and license feesUp to 60 months5.49%

Note: Vehicles 20 years or older may be financed up to the NADA Classic Car average value plus adds.
GAP (Guaranteed Asset Protection) Plus, which covers any difference between an insurance payout and the balance owed if the car is totaled or stolen.
Mechanical Repair Coverage (MRC), which covers mechanical repair costs.

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