Auto Loans Rates as low as 1.49%*

Green is for go.

Arbor Financial doesn’t just offer great new auto loans -- we offer the best. Every one of our valued members has access to affordable new auto loans with car models built within the last year.

New auto loans from Arbor Financial are nothing like the loans of yesteryear. We offer a unique blend of features and benefits that are sure to satisfy your driving appetite.

  • Enjoy affordable rates starting at 1.49%1.49% APR*
  • Affordable closing costs
  • Extended repayment terms 
  • No down payments
  • 100% financing for approved borrowers
  • Quick and simple pre-approvals
  • Online and over-the-phone application process
  • Cover the unexpected with warranties and payment protection plans
  • Skip two months of loan payments with Skip Pay Programs

Stop in, call, or apply online and have an answer within minutes!

269.488.5945   Schedule An Appointment 

New Auto Loan Rates

Product Term Interest Rate Annual Percentage Yield
2021-2020 Up to 36 months 1.49%
37 - 48 months 1.74%
49 - 60 months 2.49%
61 - 72 months (Call for details) 2.99%
73 - 84 months (Call for details) 3.49%
85 - 96 Months (Call for details)* 4.49%
2019-2014 Up to 36 months 1.49%
37 - 48 months 1.74%
49 - 60 months 2.49%
61 - 72 months (Call for details) 2.99%
73 - 84 months (Call for details) 3.74%
85 - 96 months (Call for details)* 4.49%
¹Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application. Rates subject to change.

*85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.​

New Auto Loan Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

New Auto Loan FAQ

Q: What qualifies as a new auto loan?

A: Vehicles manufactured within the last year, 365 days to be exact, are eligible for a new auto loan from Arbor Financial.

Q: How can I extend my new auto loan terms?

A: Extended auto term lengths of 85-96 months are only available to borrowers who meet certain criteria. You must purchase a vehicle with a maximum age of two years, borrow a minimum of $45,000, and possess a qualifying credit score. Please contact us for additional information.

Q: How can I get the lowest possible rate on my new auto loan?

A: Similar to other loans, lower APR rates are available for borrowers who have prime credit scores, a lower debt to income ratio, and a satisfactory debt repayment history. If you have questions or concerns about your projected APR, please contact us.

*¹Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application. Rates subject to change. *85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.