Auto Loan Rates

Loan TypeAPR* As Low AsTerm
New and Late Model Used Auto (2022 and newer)
7.29%
Up to 60 Months
Used Auto (2020 – 2021 models)
7.64%
Up to 60 Months
Used Auto (2017 – 2019 models)
8.20%
Up to 60 Months
Used Auto (2015 – 2016 models)
8.50%
Up to 60 Months
Used Auto (2014 and older models)
11.05%
Up to 60 Months
New and Late Model Used Motorcycle & UTV (2022 and newer)
8.29%
Up to 60 Months
Used Motorcycle & UTV (2020 – 2021 models)
8.64%
Up to 60 Months
Used Motorcycle & UTV (2017 – 2019 models)
9.20%
Up to 60 Months
Used Motorcycle & UTV (2015 – 2016 models)
9.50%
Up to 60 Months
Used Motorcycle & UTV (2014 and older models)
12.05%
Up to 60 Months
(60-month term not available for UTVs)

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*Annual Percentage Rate (APR) based on credit, equity, term and account relationships. Rates effective as of January 2, 2024.

Loan rates listed above show the best rate and apply to those with an excellent credit rating. Your rate may vary based on personal credit history and additional discounts provided to members based on their account relationships. All rates subject to change without notice. Credit union membership is required to obtain Linn Area products. $5 minimum deposit required.

New Auto Loan Example: For a $30,000 loan for a term of 60 months with a 7.29% APR, the monthly payment will be $598.15 which assumes $0 down payment and does not include any estimate for taxes, insurance, or fees; therefore, the actual payment obligation will be greater.

New Motorcycle & UTV Loan Example: For a $18,000 loan for a term of 60 months with an 8.29% APR, the monthly payment will be $390.34 which assumes $0 down payment and does not include any estimate for taxes, insurance, or fees; therefore, the actual payment obligation will be greater.