Argent Credit Union Loan Rates

Rates listed are “as low as“, may vary based on credit qualifications and terms, and are subject to change at any time.

For more information, call us at (804) 748-9488 or (800) 943-3328.

Last Rate Change: November 1, 2021

Vehicle Loans

Model Years 2010 and Newer*
	APR	Terms
New & Used Cars / Trucks / SUV / Motorcycles	2.49%	12 – 48 mons.
	2.74%	49 – 66 mons.
	2.99%	67 – 72 mons.
	3.494%	73 – 78 mons.
	4.24%	79 – 84 mons.

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Boat & RV Loans

New & Used Boats & RVs 2020-2016**
APR	Terms
4.24%	up to 48 mons.
4.74%	49 – 75 mons.
5.49%	76 – 120 mons. ($30,000 minimum)
6.74%	121 – 180 mons. ($50,000 minimum)

Used Boats, Watercrafts / RVs 2015-2010
APR	Terms
5.24%	Up to 48 mons.
5.74%	49 – 75 mons.
6.49%	76 – 120 mons. ($30,000 minimum)

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Personal Loans & Lines of Credit

Personal Loans & Lines of Credit
	APR	Terms
Personal Loans	As low as 8.74%	Up to 60 mons.
Lines of Credit	As low as 8.74%	Up to 60 mons.

Personal Loans: For example, if you financed $3,500 at 8.74% APR, you would have a monthly payment of $72.21 for 60 months.

Lines of Credit: For example, if you financed $3,500 at 8.74% APR, you would have a payment of $110.88 based on a 36 month term.

Secured Loans
			Terms
Savings Secured (Share Rate + 3%)			Up to 60 mns.
Certificate Secured (CD Rate +3%)			Up to 60 mons.

Credit Cards & Overdraft Protection
	APR	Terms
VISA® Platinum	7.99%	N/A
Overdraft Protection	15.00%	Up to 36 mons.

Credit 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% – 13.74%. 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.

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Related Links

*APR = Annual Percentage Rate. Effective 11/01/2021. All loans are subject to credit approval.

Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, collateral with a loan-to-value (LTV) of 130% or less with a model year of 2010 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. Regardless of available discounts, 1.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer-term options. Please contact us for specific terms, rates, available discounts. Programs, rates, terms, and conditions are subject to change without notice.

Payment example Car/Truck/SUV/Motorcycle based on a $20,000.00 loan: $438.19 at 2.49% APR with a 48 month term; $326.79 at 2.74% APR with a 66 month term; $303.79 at 2.99% APR with a 72 month term; $286.97 at 3.49% APR with a 78 month term; and $275.60 at 4.24% APR with an 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Payment example Boat/Watercraft/RV based on a $50,000.00 loan: $1134.31 at 4.24% APR with a 48-month term; $771.60 at 4.74% APR with a 75-month term; $542.42 at 5.49% APR with a 120-month term; and $442.25 at 6.74% APR with a 180-month term; Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Non-member applicants must meet Argent Federal Credit Union membership eligibility requirements and must become a member prior to or concurrent with loan funding.

Argent Credit Union Loan Rates