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Consumer Loan Rates

Rates effective as of  

New Auto (Model Years 2024-2025)
Term (Months) Rates as low as APR
24 6.00% 6.491%
36 6.00% 6.335%
48 6.250% 6.506%
60 6.250% 6.458%
72 6.50% 6.677%

 

Used Auto (Model Years 2016-2024)
Term (Months) Rates as low as APR
24 6.50% 6.992%
36 6.50% 6.836%
48 6.75% 7.007%
60 6.75% 6.959%

 

 

Boat and RV's (2015-2024)
Term (Months) Rates as low as APR
48 8.25% 8.510%
60 8.25% 8.462%
84 9.25% 9.409%
120 9.25% 9.367%

 

Motorcycle, Snowmobile, ATV, PWC (2015-2024)
Term (Months) Rates as low as APR
24 8.00% 8.495%
36 8.25% 8.590%
48 8.50% 8.761%
60 8.75% 8.963%

 

Personal Loans - $2,000 - $10,000
Term (Months) Rates as low as APR
12 10.00% 11.885%
24 14.00% 15.013%
36 14.00% 14.701%

 

ODP Line of Credit - up to $5,000
Term Rate                 APR
Revolving 18.00% 18.00%

Important Consumer Loan Information

Subject to credit approval. Advertised as low as APRs (annual percentage rates) assume excellent borrower credit history and automatic payment from your HVSB checking or savings account. Your actual APR may differ based on your credit history, term, vehicle condition and applicable discounts. These discounts will be reflected in your individual APR quote if you are approved for a loan.

A $50 processing fee applies to auto, recreational vehicles, and personal loans.  A loan of $10,000 for 5 years at 3.25% would result in 60 payments of $180.80.