Earn 4% APY* with an InRoads Smart Start Savings account.
Loan Rates
Borrow better at InRoads.
Get the Money You Need with an Interest Rate You Want
Financing to Fuel Your Plans
When you need a loan for any reason, InRoads has all the options. Check out our latest rates for cars, trucks, SUVs, RVs, boats and motorcycles, plus credit cards and personal loans.
Auto
| Product | APR* as low as |
|---|---|
| New Auto (3 years & newer) | 5.49% |
| Used Auto (4-10 years old) | 5.75% |
| Older Auto (11 years & older) | 7.25% |
| First Time Auto Buyer (10 years & newer) | 11.50% |
Disclaimers
*Actual rate and term are based on credit profile and collateral. Additional conditions may apply. Rates are current as of 3/2/26 .
RV, Boat, and Motorcycle
| Product | APR* as low as |
|---|---|
| New RVs (3 years & newer) | 7.75% |
| Used RVs (4 -15 years old) | 8.75% |
| New Motorcycle, ATVs, & Watercraft | 8.25% |
Disclaimers
*Actual rate is based on collateral and credit worthiness. Additional conditions may apply.
Credit Cards
| Product | APR* as low as |
|---|---|
| Explore Rewards Visa® | 13.24% |
| Embark Rewards Visa® | 18.00% |
| Secure Visa® | 16.00% |
Disclaimers
*Annual Percentage Rate (APR) is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 2/17/26 . Consumer Visa© Disclosures (pdf)
Personal Loans
| Product | APR* as low as |
|---|---|
| Custom Cash Secured | 11.00% |
| Custom Cash Unsecured | 12.00% |
| Personal Line of Credit - My Line | 11.00% |
Disclaimers
*Annual Percentage Rate (APR) is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin. Actual rate is based on credit worthiness. Additional conditions may apply. Rates are current as of 1/2/2025.
Let's Get Rolling: Apply for a Loan Today!
Give Your Savings a Serious Boost
Earn up to 4.00% APY† on your savings balance with an InRoads Boost Savings account. Open yours today!
