logoLoan Information

Appliance Credit Union is pleased to announce home loans!
Click the button to apply today!

Appliance C.U. VISA Credit Cards!

Apply today for an Appliance Credit Union VISA Credit Card. Qualifying applicants can take advantage of no balance transfer fees and a special introductory rate of 2.9% APR for 6 months. For more information contact Gayle Cross at 423.479.5511, ext. 104. You must be a member of Appliance Credit Union to apply.).
  • 6 month introductory offer 2.99% APR
  • No Annual Fee!
  • No over the limit fee!
* Rate will vary depending on credit score when Promotional Introductory period expires

New and Used Vehicles

New car photo Used car photo

All new vehicle loans are 100% of retail value and used vehicle loans are based on NADA retail value.

New Vehicle - 2020-2019 (never been titled)

  • Up to 36 months 1.99 - 7.99%
  • Up to 48 months 2.35 - 8.35%
  • Up to 60 months 2.49 - 8.49%
  • Up to 72 months 2.99 - 8.99% Over $20,000
  • Up to 84 months 3.50 - 9.50% Over $30,000
* All interest rates are APR

Used Vehicle - 2020 to 2016 (Up to 100k miles)

  • Up to 36 months 2.15 - 8.15%
  • Up to 48 months 2.25 - 8.25%
  • Up to 60 months 2.25 - 8.25%
  • Up to 72 months 3.25 - 9.25% Over $20,000
  • Up to 84 months 3.50 - 9.50% Over $30,000
* All interest rates are APR

Used Vehicle - 2015 to 2008 (Less than 100k miles)

  • Up to 36 months 2.50 - 8.50%
  • Up to 48 months 2.25 - 8.25%
  • Up to 60 months 2.25 - 8.25%
  • Up to 72 months 3.49 - 9.49% Over $20,000
  • Up to 84 months 4.00 - 10.00% Over $30,000
* All interest rates are APR

Used Vehicle - 2015 to 2008 (100k+ miles)

  • Up to 36 months 4.50 - 10.50%
  • Up to 48 months 4.99 - 10.99%
  • Up to 60 months 5.24 - 11.24%
  • Up to 72 months 5.74 - 11.74% Over $20,000
  • Up to 84 months 6.15 - 12.15% Over $20,000
* All interest rates are APR

Signature

10.0% - 16.00% Up to $8000 Up to 60 months

Share Secured

2% above dividend
(current dividend rate is 0.25%).
Up to amt. of shares pledged

Unsecured Loans

Credit Score - 800 to 900

  • $10,000 to $15,000 - 12% up to 60 months
  • $8,000 to $10,000 - 7.99% up to 60 months
  • $5,000 to $8,000 - 5.99% up to 60 months
  • $500 to $4,999 - 4.99% up to 48 months
* All interest rates are APR

Credit Score - 750 to 799

  • $8,000 to $10,000 - 10% up to 60 months
  • $5,000 to $8,000 - 7.99% up to 60 months
  • $500 to $4,999 - 5.99% up to 60 months
* All interest rates are APR

Credit Score - 701 to 749

  • $5,000 to $8,000 - 12% up to 60 months
  • $3,500 to $4,999 - 10% up to 48 months
  • $500 to $3,499 - 7.99% up to 36 months
* All interest rates are APR

Credit Score Below 701

  • Up to $3,500 - 14% for up to 36 months
* All interest rates are APR

Recreational Loans

New car photo Used car photo

*All loans subject to credit approval & normal loan policies

New Motorcycles, ATVs, JetSkis, Boats

100% of retail
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 3.75% - 9.75%
  • 4.24% - 10.24%
  • 5.99% - 11.99%
  • 6.00% - 12.00%

Used Motorcycles, ATVs, JetSkis, Boats

100% of retail
  • $0 - $15k
  • $15k - $20k
  • $20k+
  • $30k+
  • $50k+
  • 60 months
  • 84 months
  • 84 months
  • 120 months
  • 180 months
  • 3.99% - 9.99%
  • 4.15% - 10.15%
  • 5.15% - 11.15%
  • 5.15% - 11.15%
  • 5.15% - 11.15%

New & Used 5th Wheels, Travel Trailers and Camping Trailers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • Up to 60 months
  • 84 months
  • 120 months
  • 180 months
  • 4.25 - 10.25%
  • 4.15 - 10.15%
  • 4.25 - 10.25%
  • 5.25 - 11.25%

New Motorhomes, Houseboats/Cabin Cruisers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 3.90 - 9.90%
  • 3.90 - 9.90%
  • 3.90 - 9.90%
  • 3.90 - 9.90%

Used Motorhomes, Houseboats/Cabin Cruisers

             
  • $0 - $15k
  • $15k - $30k
  • $30k - $50k
  • $50k+
  • 60 months
  • 84 months
  • 120 months
  • 180 months
  • 4.15 - 10.15%
  • 4.25 - 10.25%
  • 4.25 - 10.25%
  • 5.25 - 11.25%

Lawn and Garden

Title or UCC1 Up to 72 months 4.50% - 10.50%

NEW/USED Tractors and Farm Equipment

             
  • $0 - $4k
  • $4 - $6k
  • $6 - $15k
  • $15k+
  • 24 months
  • 36 months
  • 48 months
  • 72 months
  • 11.50 - 17.50%
  • 11.50 - 17.50%
  • 11.50 - 17.50%
  • 5.25% - 11.25%
**Tractor Loans - USED - NADA Retail from Dealer USED from Individual - NADA Retail from Dealer

New Consumer Goods

              100% of Purchase Price Up to 48 months 9.50 - 15.50%

Second Mortgage 80% LTV (Equity)

Up to $50,000
  • Up to 15 years
  • 5.25% - 11.25%

Land Loan 80% of Appraisal Value 80% LTV

Up to $50,000
  • 5 years
  • 10 years
  • 15 years
  • 7.25 - 13.25%
  • 7.75 - 13.75%
  • 8.25 - 14.25%

Branch Hours

  • Monday - Wednesday - 8:30 to 5:00
  • Thursday and Friday - 8:30 to 6:00