*Cash back is equal to 1.00% of the new loan balance. Maximum cash back is $400. Example: $25,000 new loan amount multiplied by 1.00% = $250.00 cash back. Cash back award will be deposited to your Ardent savings account within 21 days of executing your final loan agreement. Promotion is only available for auto loans not currently financed with Ardent Credit Union. The 1% cash back award will be forfeited and added to the payoff amount if the loan is closed within 120 days of opening. Refinancing is not available for commercial or salvaged vehicles. Rates, terms, and offer are subject to change at any time. Membership with a savings account at Ardent Credit Union is required to participate in this offer. This promotion is valid on applications received between May 1, 2022 and August 31, 2022.
^APR = Annual Percentage Rate. Rates effective August 8, 2022. "As low as” rate assumes excellent borrower credit history and automatic payment from an Ardent Credit Union account.
+90-day Loan Payment Deferral Option: Interest will continue to accrue during the payment deferral period and will be collected with your first loan payment.
1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Payment example: A 66-month auto loan at 3.99% fixed APR will have 66 monthly payments of $16.68 per $1,000 borrowed.
2APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico.
3$15,000 minimum required.