Loan Rates
When you’re comparing loan rates, you want numbers that actually work in your favor, not rates padded with profit or weighed down by fine print. That’s why Argent Credit Union should be your first choice.
Our Loan Rate Options
Rates shown are “as low as” and may vary based on your credit and loan terms. All rates are subject to change at any time.
For more information, call us at (804) 748-9488 or (800) 943-3328.
Last Rate Change: October 10, 2025
Vehicle Loans
| New & Used Cars / Trucks / SUV / Motorcycles Model Years 2013 and Newer¹ |
|
| APR | Terms |
| 4.24% | 12 – 48 months |
| 4.49% | 49 – 66 months |
| 4.74% | 67 – 72 months |
| 5.24% | 73 – 78 months |
| 5.49% | 79 – 84 months |
Boat & RV Loans
| New & Used Boats & RVs 2016 and Newer² | |
| APR | Terms |
| 6.24% | up to 48 months |
| 6.74% | 49 – 75 months |
| 7.49% | 76 – 120 months ($30,000 minimum) |
| 8.74% | 121 – 180 months ($50,000 minimum) |
| Used Boats, Watercrafts / RVs 2015-2010 | |
| APR | Terms |
| 7.24% | Up to 48 months |
| 7.74% | 49 – 75 months |
| 8.49% | 76 – 120 months ($30,000 minimum) |
Personal Loans & Lines of Credit
| Personal Loans & Lines of Credit³ | |||
| APR | Terms | ||
| Personal Loans | As low as 10.24% | Up to 60 months | |
| Lines of Credit | As low as 10.24% | Up to 60 months | |
| Secured Loans | |||
| Terms | |||
| Savings Secured (Share Dividend Rate + 3%) | Up to 60 months | ||
| Certificate Secured (Certificate Dividend Rate +3%) | Up to 60 months | ||
| Credit Cards & Overdraft Protection | |||
| APR | Terms | ||
| VISA® Platinum | 13.24% | N/A | |
| Overdraft Protection | 15.00% | Up to 36 months | |
Apply for an Argent Credit Union Loan
Step 1
Click “Apply Now” and complete the application.Step 2
When you have completed the application, click submit and we will review your information.Step 3
An Argent Loan Officer will follow up to let you know our decision, it’s that easy!I've been with the credit union for over 30 years. Best by far!
-Juliet S.
Excellent experience and a fast process.
-Miguel R.
Explore More
Online Application
It only takes a few minutes to apply and often times your approval is instant.
Shop Smart
Find out what your payment will be before you shop for the new vehicle.
Overdraft Protection
Protect yourself from the costly expense of a bounced check.
¹APR = Annual Percentage Rate. All loans are subject to credit approval, rates are subject to change.
Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, collateral with a loan-to-value (LTV) of 125% or less with a model year of 2013 or newer for Car/Truck/SUV/and Motorcycle or a LTV of 100% or less with a model year of 2016 or newer for Boats/Watercraft/and RV. Commercial vehicles are not included. A discount of 0.25% is included for an automated payment method approved by us.
¹Payment example Car/Truck/SUV/Motorcycle based on a $20,000.00 loan: $453.73 at 4.24% APR with a 48 month term; $342.55 at 4.49% APR with a 66 month term; $319.69 at 4.74% APR with a 72 month term; $303.11 at 5.24% APR with a 78 month term; and $287.31 at 5.49% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
²Payment example Boat/Watercraft/RV based on a $50,000.00 loan: $1179.99 at 6.24% APR with a 48-month term; $818.97 at 6.74% APR with a 75-month term; $593.46 at 7.49% APR with a 120-month term; and $499.69 at 8.74% APR with a 180-month term. Payment example for Used Boat/Watercraft/RV based on a $30,000.00 loan: $721.95 at 7.24% APR with a 48-month term; $505.98 at 7.74% APR with a 75-month term; $371.99 at 8.49% APR with a 120-month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
³Personal Loans & Lines of Credit: For example, if you financed $3,500 at 10.24% APR, you would have a monthly payment of $74.79 for 60 months.
4Credit Cards: The purchase APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 4.74% – 13.24%. Maximum rate: 18%. The cash advance APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%. Overdraft Protection: Payment on overdraft protection loans are based on a 36 month term, with a minimum payment of $45.50 per month.
Non-member applicants must meet Argent Federal Credit Union membership eligibility requirements and must become a member prior to or concurrent with loan funding.
