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.
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.