Auto loan rates that don’t yield to the competition

While you’re going 0-60 as fast as you can, we’ll get you:

  • No payments for 90 days
  • Auto loan terms up to 84 months
  • 1/2% rate discount with express advantage* 
  • Zero closing costs or application fees
  • Full vehicle protection packages
  • Fast approvals
  • Auto, boat, motorcycle and RV loan rates that overtake big banks at every turn

auto loan rates

Unlike other lenders, our rates don’t discriminate against used or new cars. We know it’s your baby either way. Check out our competitive auto loan rates below.

TermAPR As Low As*Bank Average APR
New & Used Vehicles - up to 48 months

3.24%

4.42%
New & Used Vehicles - up to 60 months

3.49%

4.51%
New & Used Vehicles - up to 72 months

4.24%

4.63%
New & Used Vehicles - up to 84 months

5.24%

*Annual Percentage Rate (APR) is based on your credit history, and reflects a .50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo checking or savings account. APRs listed above for used cars applies to previously titled 2017 or newer models with a loan to value of less than 80%. Please call Andigo for other rates on older model years. Other terms and conditions may apply. Payment example: A $20,000 loan with a 48-month term and 3.24% APR would have a monthly payment at $445.41. Rates subject to change without notice. All loans subject to credit approval.

The 84-month term only applies to 2017 or newer model year vehicles and is based on excellent credit history.

motorcycle, RV, boat loan rates

TermAPR As Low As*Bank Average APR
New Recreational - up to 60 months

4.24%*

7.11%

New Recreational - up to 72 months

4.49%*

New Recreational - up to 120 months

7.49%*

New Recreational - up to 180 months

7.49%*

Used Recreational - up to 60 months

4.24%*

Used Recreational - up to 72 months

4.49%*

Used Recreational - up to 120 months

7.49%*

Used Recreational - up to 180 months

7.49%*

*Annual Percentage Rate (APR) is based on excellent credit history, and reflects a .50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo checking or savings account. APR for new recreational vehicles applies to 2017 or newer models with a loan to value up to 100%. APR for used recreational vehicles applies to 2015-2016 models with a loan to value of less than 80%. The APR for used 2012-2014 models is as low as 4.74% APR (60 month term), and for used 2011 and older models is as low as 6.74% APR (60 month term). Other terms and conditions may apply. National average APR may not reflect rate discounts offered by Andigo. Payment example: A $20,000 loan with a 60-month term and 4.24% APR would have 59 payments at $371.17.

Terms 121-180 months are for loans $25,000 or more and available on model years 2015 and newer.

Rates subject to change without notice. All loans subject to credit approval.

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Auto quotes for new and used vehicles

We’re partnered with CarQuotes.com to give you instant price quotes on new and used vehicles, so you know what you’re in for before you head to the dealer.

  • Cars and dealers near you
  • Rebates to get more cash back in your wallet
  • Incentives on all those sweet upgrades and freebies

Get a free car quote.

visit carquotes.com

Car loans: Top down. Volume up. Coverage on.

Airbags and seatbelts protect you, but what’s protecting your auto loan? Why, these additional protection options, for a start!

Payment Protection: In case you fall on unforeseen tough times, know your loan will be paid.

Mechanical Repair Coverage: For all those “unfortunately that’s outside the manufacturer’s warranty, ma’am,” moments. Learn more about MRC and get a quote (Chat with an Andigo rep to make sure this coverage is available in your state).

Guaranteed Asset Protection: For those that-will-never-happen-to-me moments like a stolen or totaled car. Learn more about GAP.

You grab the keys. We call shotgun.

Product APR As Low As**
New or used vehicle - up to 48 months

3.24%

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*Annual Percentage Rate (APR) is based on your credit history, and reflects a .50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo checking or savings account. APRs listed above for used cars applies to previously titled 2017 or newer models with a loan to value of less than 80%. Please call Andigo for other rates on older model years. Other terms and conditions may apply. Payment example: A $20,000 loan with a 48-month term and 3.24% APR would have a monthly payment at $445.41. Rates subject to change without notice. All loans subject to credit approval.

Have questions about auto loan and RV financing? We’ve got answers.

I'm approved for my auto loan. Now what?

We’re excited too! The approval email we sent over has an attachment in which the conditions of your approved loan are listed. The necessary documents need to be sent in for review to loandocs@andigo.org via faxed to 847.538.3449. Make sure to reference your App ID# in the subject line or on the cover page. Please don’t hesitate to reach out to us by calling us at 877.270.6392, options 3,3.

But wait! What if I’m shopping for my next car over the weekend or during a holiday?

We can take care of you too. Please make sure to send us the Purchase Order at your earliest opportunity and we’ll talk on Monday. The dealer will have a check in hand as early as Tuesday.

Questions about car loans, auto financing or interest rates? Let’s chat!

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