How do Excite Credit Union auto loans work?
As long as you’re a member of the credit union, you’ll be able to access auto loan interest rates starting from as low as 2.24%.
Payment terms generally go up to 72 months, but you may extend to 84 months if you’re willing to increase your minimum borrowing amount.
You’ll receive a 0.25% discount to your rate for every other Excite product you’re signed up to, such as a mortgage, checking account, or credit card.
You can stack these to get a maximum of 1% off your rate.
Credit score
Excite doesn’t disclose the minimum credit score required to apply.
It instead welcomes all members to apply regardless of credit rating and will judge your application on a number of criteria.