Auto and Harley Davidson Motorcycle Loan Rates
| Vehicle Year** | APR* starting at |
|---|---|
Vehicle Year**Model Year 2022 - 2026 |
APR* starting at5.49% |
Vehicle Year**Model Year 2021 - older |
APR* starting at5.74% |
Payment example: 63 monthly payments of $181.91 per $10,000 borrowed at $5.24% available for qualified borrowers. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors.
Recreational Vehicle Loan Rates
| Vehicle Type** | APR* starting at |
|---|---|
Vehicle Type**Titled Loans: Motorhomes, Travel Trailers |
APR* starting at9.74% |
Vehicle Type**Untitled Loans: Motorcycle, ATV, Personal Watercraft, Boat, Snowmobile |
APR* starting at10.74% |
Payment example: term of 63 months, 14.49% APR, min credit score 680; estimated monthly payment of $23.29 per $1,000.00. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors.
Options to protect your purchase
Guaranteed Asset Protection (GAP)
If your vehicle is stolen or totaled, your auto insurance may not cover everything you still owe on your loan. That difference — or “gap” — could come out of your pocket without GAP coverage.
GAP helps by:
- Covering the difference between your insurance payout and your remaining loan balance
- Preventing payments on a vehicle that’s damaged beyond repair or not recovered
- Offering GAP Plus, which may include up to $1,000 toward a down payment on a replacement vehicle (where allowed and when financed by Elevations)
GAP is fully refundable within the first 90 days. You can add it when you apply or later, and the cost can be rolled into your monthly payment.
Mechanical Repair Coverage (MRC)
Unexpected repairs can be costly, especially once your manufacturer’s warranty runs out. Mechanical repair coverage helps pay for covered repairs when breakdowns happen.
MRC includes:
- Coverage for eligible repairs that could otherwise cost hundreds or thousands
- Roadside assistance and travel expense reimbursement available right away
- Ongoing protection after your manufacturer’s warranty expires
MRC is cancelable at any time on a pro‑rata basis. You can enroll when you apply or add it later, with costs rolled into your loan.
Elevations Loan Protection
Life doesn’t always go as planned. Elevations Loan Protection helps safeguard your loan if a qualifying event impacts your ability to make payments.
Loan protection can:
- Help make loan payments during covered events, such as job loss, disability, or death
- Protect your credit by avoiding late or missed payments
- Reduce the financial burden on your family
- Cover up to two borrowers per loan
Enrollment is simple, with clear eligibility requirements. You can add Loan Protection when you open your loan or contact us to enroll later.
More ways we can help you
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Home Equity
Use your home's value to renovate, fund education, or even refinance debt.
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Visa Credit Cards
Be a card-carrying member of your community.
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Financial Planning
Save for retirement, pay for college — and everything in between.
Commonly Asked Questions
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Approving an auto loan can often be as fast as a few minutes.
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Elevations offers no-fee auto loan refinancing options. Talk to a team member or apply online.
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There are no penalties for paying off an auto loan early.
Take the next step with an auto loan from Elevations Credit Union
How can we help you?
Give us a call at (800) 429-7626 | Routing #307074580
Membership eligibility and one-time $5 membership fee required at account opening
*Annual percentage rate
^Annual percentage yield
**All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications and underwriting factors. Please speak with an Elevations representative for more information. Offers of credit are subject to membership requirements and credit approval.