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: September 20, 2022

Vehicle Loans

Model Years 2010 and Newer¹
	APR	Terms
New & Used Cars / Trucks / SUV / Motorcycles	4.74%	12 – 48 mons.
	4.99%	49 – 66 mons.
	5.24%	67 – 72 mons.
	5.74%	73 – 78 mons.
	6.49%	79 – 84 mons.

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Boat & RV Loans

New & Used Boats & RVs 2020-2016²
APR	Terms
5.74%	up to 48 mons.
6.24%	49 – 75 mons.
6.99%	76 – 120 mons. ($30,000 minimum)
8.24%	121 – 180 mons. ($50,000 minimum)

Used Boats, Watercrafts / RVs 2015-2010
APR	Terms
6.74%	Up to 48 mons.
7.24%	49 – 75 mons.
7.99%	76 – 120 mons. ($30,000 minimum)

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Personal Loans & Lines of Credit

Personal Loans & Lines of Credit³
	APR	Terms
Personal Loans	As low as 10.24%	Up to 60 mons.
Lines of Credit	As low as 10.24%	Up to 60 mons.

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

Credit Cards & Overdraft Protection⁴
	APR	Terms
VISA® Platinum	9.49%	N/A
Overdraft Protection	15.00%	Up to 36 mons.

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Related Links

¹APR = Annual Percentage Rate. Effective 9/20/2022. 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 120% 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.

Payment example Car/Truck/SUV/Motorcycle based on a $20,000.00 loan: $458.25 at 4.74% APR with a 48 month term; $347.16 at 4.99% APR with a 66 month term; $324.35 at 5.24% APR with a 72 month term; $307.84 at 5.74% APR with a 78 month term; and $296.92 at 6.49% 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: $1168.34 at 5.74% APR with a 48-month term; $806.87 at 6.24% APR with a 75-month term; $580.38 at 6.99% APR with a 120-month term; and $484.91 at 8.24% APR with a 180-month term. Payment example for Used Boat/Watercraft/RV based on a $30,000.00 loan: $714.80 at 6.74% APR with a 48-month term; $498.53 at 7.24% APR with a 75-month term; $363.59 at 7.99% 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% – 13.74%. 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.

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