Auto Loans Rates as low as 1.49%*

Unbelievable deals, unbelievable prices.

Used cars need to carry a lot of hats at one time. As a workhorse, kid chauffeur, takeout receptacle, or road trip tool, your used vehicle needs to be able to change and fit your lifestyle. Why settle for a used auto loan payment that does any less?

Used auto loans from Arbor Financial are fast to receive, easy to manage, and flexible with any budget or intent. Our team is passionate about delivering a financing experience like no other by leveraging only the best possible benefits for our loyal members.

  • Starting at 1.49%1.49% APR*
  • Affordable closing costs 
  • Extended repayment terms
  • Zero down payment required
  • 100% financing options
  • Pre-approvals made in minutes
  • Easy online application process
  • Optional warranties and payment protection plans
  • Skip Pay Program protects your bottom line

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

269.488.5945   Schedule An Appointment 

Used 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 2.24%
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.​

Used 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.

Used Auto Loan FAQ

Q: What qualifies as a used auto loan?

A: Vehicle models more than one-year-old are considered “used”. Used automobiles must not be more than five years old.

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

A: 60 months is the standard maximum length for used auto loans. However, certain borrowers meeting minimum qualifications will have the option to increase their terms to 85 or 96 months. If you are purchasing a used vehicle that is a maximum of two years old, borrowing a minimum of $45,000, and have a prime credit score, you may be eligible for our amazing offer.

Q: I’m having a cash crunch and can’t make used auto loan payments. What do I do?

A: If you need to take a little something off your plate, Arbor Financial’s Skip Pay system may be just what you’re looking for. Bypass up to two months of used auto payments per year after making a minimum of three consecutive payments. This flexible option could give you the breathing room needed to get back on track.

*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.