No Tricks Here, Treat Yourself To 90 Days Payment-Free

On the Road Again

From your first car to your retirement RV, we have loan options for several types of vehicles, including:

  • Cars/Trucks/Motorcycles
  • Campers/RV's
  • Tractors
  • ATV's/Snowmobiles
  • Boats

 

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*Valid for all “new” closed-end, non real-estate secured consumer loans. Existing loans with Simplicity CU not eligible. Not all loans will qualify. Interest on 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. *APR=Annual Percentage Rate. To qualify, you will need to meet our standard underwriting guidelines. Rates as low as 4.49% Annual Percentage Rate. Applies to new consumer loans with security up to 36 months. Rate and terms subject to change. For example: 4.49% APR would equal a payment of $30.08 per $1,000.00 borrowed for 36 months. Rate based on credit qualifications and other restrictions apply. Rate listed is the credit union’s best rate and is subject to credit approval. Not all members qualify for this rate. Additional rates and terms are available. Home Equity Line of Credits, Mortgages and Credit Cards do not apply. Minimum loan amount $7,500. Promotion ends November 30, 2025. Membership eligibility required. Insured by the NCUA.

Auto Loan Rates

Term APR as low as Monthly Payment per $1000
1-3 Years 4.49% APR $29.75
4-5 Years 4.49% APR $18.64
6 Years 4.49% APR $15.88
7 Years 6.24% APR $14.74

*APR=Annual Percentage Rate. Rates subject to change.
Loan terms of 84 months have a minimum beginning balance of $20,000 or more. Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.

Boat/Camper Long Term Loans

Term APR as low as Monthly Payment per $1000
6 Years 4.49% APR $29.75
7 Years 6.24% APR $14.74
10 Years 6.74% APR $11.48
15 Years 7.24% APR $9.12

APR=Annual Percentage Rate. Rates subject to change.
Long term boat & camper loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Can not be for business use. 

ATV/UTV Long Term Loans

Term APR as low as Monthly Payment per $1000
6 Years 4.49% APR $29.75
7 Years 6.24% APR $14.72
10 Years 6.74% APR $11.48

APR=Annual Percentage Rate. Rates subject to change.
10 year UTV loans require a minimum principal balance of $10,000.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Can not be for business use. 

Tractor Long Term Loans

Term APR as low as Monthly Payment per $1000
6 Years 4.49% APR $29.75
7 Years 6.24% APR $14.72
10 Years 7.24% APR $11.73
15 Years 7.74% APR $9.41

APR=Annual Percentage Rate. Rates subject to change.
Maximum age for tractor is 10 years old.
Long term tractor loans require a minimum balance of $10,000 for 10 years & minimum balance of $20,000 for 15 years.
Additional rate discounts are available for a Simplicity Checking Account with Direct Deposit, Active Duty or Retired Military Members, Borrowers financing 75% Loan-to-Value, or refinancing a loan from another lender.
Can not be for business use. 

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