Page Title

Vehicle Loans

Vehicle Loan Rates

Whether you're purchasing your first car, upgrading to a bigger vehicle to fit your growing family, thinking about enjoying outdoor fun with an ATV, planning adventures in an RV, or getting out on the water in your own boat, Accentra has the right loan for you.

If you’re not sure about an immediate purchase, you can request a loan approval before you start vehicle shopping. Your pre-approved vehicle loan is valid for 60 days, giving you time to make a decision. Pre-approved financing may even give you an advantage when negotiating the purchase price of your vehicle.

If you have a current vehicle loan with another financial institution ask us about refinancing. We may be able to help you save on your monthly payment. Have a question or want to speak with someone about starting an application? Give us a call at 507-433-1829 or stop into a branch. At Accentra all of our loan decisions are made locally which means a faster approval and personalized service. You can even apply for your loan online just by clicking here.

Rates effective as of July 8, 2020

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	2.74%	3.24%	3.49%	3.99%
24 Months	3.09%	3.59%	3.84%	4.34%
36 Months	3.06%	3.56%	3.81%	4.31%
48 Months	3.04%	3.54%	3.79%	4.29%
60 Months	3.03%	3.53%	3.78%	4.28%
72 Months	3.27%	3.77%	4.02%	4.53%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate secured new auto loan at 3.03% APR* has an approximate monthly payment of $449.55.

Powersports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	4.18%	4.68%	5.18%	5.68%
24 Months	4.09%	4.59%	5.09%	5.59%
36 Months	4.31%	4.81%	5.31%	5.81%
48 Months	4.54%	5.04%	5.54%	6.04%
60 Months	4.78%	5.28%	5.78%	6.28%
72 Months	4.78%	5.28%	5.78%	6.28%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate secured new Powersport loan at 4.78% APR* has an approximate monthly payment of $469.27.

Boats/RVs/Campers All boats (except jetskis), travel trailers, motorhomes, pop-up campers, and ice fishing trailers
	Age
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	4.18%	4.68%	4.93%	5.93%
24 Months	4.09%	4.59%	4.84%	5.84%
36 Months	4.31%	4.81%	5.06%	6.06%
48 Months	4.44%	4.94%	5.19%	6.19%
60 Months	4.63%	5.13%	5.38%	6.38%
72 Months	4.83%	5.33%	5.58%	6.58%
84 Months	5.27%	5.77%	6.02%	7.02%
120 Months	5.51%	6.01%	6.26%	7.26%
144 Months	5.76%	6.26%	6.51%	7.51%
180 Months	6.26%	6.76%	7.01%	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 4.63% APR* has an approximate monthly payment of $467.55.

Other Secured Mowers, small tractors, utility trailers, horse trailers, bobcats, and equipment
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	4.18%	5.18%	5.68%	5.93%
24 Months	4.09%	5.09%	5.59%	5.84%
36 Months	4.31%	5.31%	5.81%	6.06%
48 Months	4.79%	5.79%	6.29%	6.54%
60 Months	5.03%	6.03%	6.53%	6.78%
72 Months	5.53%	6.53%	7.03%	7.28%
84 Months	5.77%	6.77%	7.27%	7.52%
120 Months	7.01%	8.01%	NA	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate new other secured loan at 5.03% APR* has an approximate monthly payment of $472.12.

Powersports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.76%	4.43%	4.68%	5.18%
24 Months	3.59%	4.34%	4.59%	5.09%
36 Months	3.56%	4.31%	4.56%	5.06%
48 Months	3.54%	4.29%	4.54%	5.04%
60 Months	3.78%	4.53%	4.78%	5.29%
72 Months	4.03%	4.76%	5.02%	5.28%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate secured new powersport loan at 3.78% APR* has an approximate monthly payment of $457.94.

Boats/RVs/Campers All boats (except jetskis), travel trailers, motorhomes, pop-up campers, and ice fishing trailers
	Age
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	3.43%	3.93%	4.18%	4.43%
24 Months	3.34%	3.84%	4.09%	4.34%
36 Months	3.31%	3.81%	4.06%	4.31%
48 Months	3.54%	4.04%	4.29%	4.54%
60 Months	3.53%	4.03%	4.28%	4.53%
72 Months	4.03%	4.53%	4.76%	5.02%
84 Months	4.52%	5.02%	5.27%	5.52%
120 Months	5.01%	5.51%	5.76%	6.01%
144 Months	6.01%	6.51%	6.76%	7.01%
180 Months	6.01%	6.51%	6.76%	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 3.53% APR* has an approximate monthly payment of $455.14.

Other Secured Mowers, small tractors, utility trailers, horse trailers, bobcats, and equipment
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.66%	4.68%	5.18%	5.43%
24 Months	3.59%	4.59%	5.09%	5.34%
36 Months	3.81%	4.81%	5.31%	5.56%
48 Months	3.79%	4.72%	5.29%	5.54%
60 Months	4.03%	5.03%	5.53%	4.78%
72 Months	4.27%	5.27%	5.78%	6.03%
84 Months	4.52%	5.52%	6.02%	6.27%
120 Months	5.01%	6.01%	NA	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate new other secured loan at 3.99% APR* has an approximate monthly payment of $460.76.