AUTO & VEHICLE LOANS
Searching for a new or used car, truck, RV, boat, motorcycle or other vehicle loan has never been easier—or faster!
Citizens has accelerated applying for a loan with our online application process. Or, easily apply by phone or in person at a branch. And don’t forget to have your loan pre-approved before you visit the dealerships so you can shop like a cash buyer for the best deal on your vehicle.
Plus, enjoy these benefits:
- Variety of low loan rates and terms on new & used vehicles to make your payments more affordable
- Loan pre-approvals
- Convenient ways to pay online, by automatic transfer, payroll deduction or in-person at a branch
- Refinancing options to lower your payments on the vehicle loan you have through another lender
- More affordable options on GAP, Warranty and Life & Disability Insurance
New & Used Vehicle Loan Rates
Includes cars, trucks, motorcycles, snowmobiles, ATVs, motor homes, campers and watercrafts.
| Amount Financed | Length of Term1 | Rate (*APR = Annual Percentage Rate) |
|---|---|---|
| $100 - $1,499 | Up to 24 months | As low as 4.95% APR* |
| $1,500 - $3,999 | Up to 36 months | As low as 4.95% APR* |
| $4,000 - $9,999 | Up to 48 months | As low as 4.95% APR* |
| $10,000 and up | Up to 60 months | As low as 4.95% APR* |
Add 1% to above rates for titled collateral such as motorcycles, snowmobiles, ATVs, motor homes, campers and watercraft.
*APR = Annual Percentage Rate. APR is accurate as of 1/1/26. All loans are subject to credit approval, and membership eligibility is required. The stated rate is an “as low as” rate and may vary based on credit or value. Rates are subject to change without notice. Federally insured by NCUA.
1Payment example: For each $1,000 borrowed with a loan term of 24, 36, 48 or 60 months, with a 4.95% APR*, the monthly payment would be $43.85, $29.95, $23.01 or $18.85, respectively.
Click here to start the application process and you’ll be shopping for your new or used car, truck, hybrid, SUV, ATV, RV, motorcycle, boat and more before you know it! It’s one smooth ride with Citizens by your side.