New Auto Loans

  • Finance up to 100% of new vehicles' value, plus tax, tags and warranty
  • Terms up to 84 months for loan requests beyond $15,000
  • Available for vehicles with fewer than 5,000 miles

Used Auto Loans

  • Finance up to 100% for vehicles up to seven years old (plus tax, tags and warranty) with terms up to 72 months
  • Terms up to 84 months available for loan requests beyond $15,000

Classic Auto Loans

  • Vehicles must be at least 30 years old
  • Financing available up to 80% of appraised value, as long as the value is $10,000 or more
  • Terms up to 60 months

SMART Auto Financing

  • Extend your term to lower monthly payments
  • $15,000 minimum amount to finance

Learn More

Find Your Car

  • Research: Select a model to get started. Search dealer inventories for your next car.
  • Finance: Find out what you can afford. Learn what your monthly payment would be. Get preapproved.

Learn More

New Vehicle 60 Months

Company Compare Rate

New Vehicle 72 Months

Company Compare Rate
Bank of America
Wells Fargo Bank

Used Vehicle 60 Months

Company Compare Rate

Used Vehicle 72 Months

Company Compare Rate
Bank of America
Wells Fargo Bank
Product1 APR (As low as)2 Maximum term
New Auto 1.99% 36 months
New Auto 1.99% 48 months
New Auto 1.99% 72 months
New Auto 2.99% 84 months ($15,000 minimum)
Used Auto (2009 and newer) 2.49% 48 months
Used Auto (2009 or newer) 2.49% 72 months
Used Auto (2014 &2015) 3.49% 84 months ($15,000 minimum)
Classic Auto 3.49% 60 months
SMART Auto 3.99% 10 years

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 7 calendar years. Monthly payment example of $287.93 or $19.20 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60 month auto at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate.

2APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. APR 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 are subject to change at any time. Promotional rate discounts are subject to change at any time without notice. May not be combined with any other Ardent offer.