All Rates

Car Loan Rates

Effective October 30, 2025

Rates may change anytime.
We are not responsible for typographical errors.

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APR = Annual percentage rate
APY = Annual percentage yield

New Car Loans – Up to 100% Financing w/Co-Borrower

Type
Rate
APR
2 Year
3.750%*
3.750%*
3 Year
3.750%*
3.750%*
4 Year
4.500%
4.500%
5 Year
4.500%
4.500%

Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.

New Car Loans – Up to 80% Financing

Type
Rate
APR
2 Year
3.750%*
3.750%*
3 Year
3.750%*
3.750%*
4 Year
4.500%
4.500%
5 Year
4.500%
4.500%

Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.

Used Car Loans – Maximum Age of Vehicle – 5 years

Type
Rate
APR
2 Year (2020 - 2025)
4.750%*
4.750%*
3 Year (2020 - 2025)
4.750%*
4.750%*
4 Year (2022 - 2025)
5.000%
5.000%
5 Year (2022 - 2025)
5.000%
5.000%

Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.

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