LET'S GET YOU FINANCED.
Whether you're buying new, used, or refinancing, our vehicle loans offer affordable rates and flexible terms to fit your budget.
What can we help you with?
NEW & USED AUTO LOANS
Drive now and pay later with 90 days with no payment!* Jolt offers 100% financing and flexible terms up to 84 months. Pay ahead, take it back: new or used auto loans are eligible for the Take-Back feature!
FIRST-TIME AUTO BUYER PROGRAM
No credit? No problem. Our First-Time Auto Buyer Program is built for individuals with little to no credit history.
DEALER DIRECT FINANCING
Jolt has partnered with nearly 100 trusted dealerships to provide you with a seamless car buying experience. Purchase your vehicle with one of our partners and finance with Jolt.
REFINANCE YOUR RIDE
Already have a car? Refinance your auto loan today to lower your monthly payments, reduce your interest rate, or adjust your loan terms for more flexibility.
RECREATIONAL VEHICLE LOANS
Hit the road (or water) your way. Whether it’s new or used, we’ve got flexible loans with no application fees, no prepayment penalties, and enjoy 90 days with no payment.*
PAYMENT PROTECTION
Protect your ride and your wallet with Jolt’s low-cost GAP Plus and Payment Protection options.
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2023 & Newer | 6.334% | 6.24% | Eligible for Take-Back |
| 37 to 48 Months | 2023 & Newer | 6.311% | 6.24% | Eligible for Take-Back |
| 49 to 60 Months | 2023 & Newer | 6.298% | 6.24% | Eligible for Take-Back |
| 61 to 72 Months | 2023 & Newer | 6.789% | 6.74% | Eligible for Take-Back |
| 73 to 84 Months (Minimum $10,000 Loan) |
2023 & Newer | 7.033% | 6.99% | Eligible for Take-Back |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2014 & Newer | 6.334% | 6.24% | |
| 37 to 48 Months | 2014 & Newer | 6.311% | 6.24% | |
| 49 to 60 Months | 2014 & Newer | 6.298% | 6.24% | |
| 61 to 66 Months | 2014 & Newer | 6.793% | 6.74% | |
| 61 to 72 Months | 2014 & Newer | 6.789% | 6.74% | |
| 73 to 84 Months | 2020 & Newer | 7.033% | 6.99% | |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate |
|---|---|---|---|
| Up to 60 Months | 2014 – 2025 | 7.799% | 7.74% |
| 61 to 72 Months | 2014 – 2025 | 8.290% | 8.24% |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. First-Time Auto loans are not eligible for Kasasa Take-Back features. To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as | Interest Rate |
|---|---|---|---|
| All Recreation Units 2014 or newer | Up to 36 Months | 8.148% | 7.99% |
| All Recreation Units 2014 or newer | 37 to 48 Months | 8.111% | 7.99% |
| All Recreation Units 2014 or newer | 49 to 60 Months | 8.049% | 7.99% |
| All Recreation Units 2014 or newer | 61 to 72 Months | 8.540% | 8.49% |
| All Recreation Units 2020 or newer | 73 to 84 Months | 8.781% | 8.75% |
| All Recreation Units 2020 or newer | 85 to 120 Months | 9.013% | 8.99% |
| Large Recreation Units 2020 or newer - $10,000 Minimum | 121 to 180 Months | 10.007% | 9.99% |
*APR=Annual Percentage Rate. Rates listed represent our best rates and does not include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. Recreational vehicle loans are not eligible for Take-Back feature. To view Payment Examples please select the hyperlinks on each loan rate. | |||
Skip-a-Payment
Need a break? Our Skip a Payment** program lets you skip your monthly payment for a $35 processing fee on a qualifying Jolt loan. Members can apply to skip their monthly payment in online banking and our mobile app.
