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3Rivers Rates & Loans

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3Rivers Vehicle Loans

At 3Rivers, we know the value of your vehicle goes beyond the price tag. It helps you and those you love create lasting memories—on the road and beyond.

We’re here to help put you in the driver’s seat when it comes experiencing your life’s most memorable moments and adventures by making it simple to shop for, buy, and protect the vehicles that make them possible

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The information supplied by this calculator is for illustrative purposes and may not reflect your final payment. Your payment will vary depending on your loan amount, interest rate & loan term upon application and approval.

We combine all elements of the car buying service by offering:

  • Convenience: Our online and mobile buying process - with competitive rates on all our auto, truck, RV/camper, boat, and/or motorcycle loans - is available 24/7.
  • Protection: We give you the options for peace of mind with added protection plans, including MBP, GAP, Debt Protection, and DPW for your new vehicle.
  • Car Buying Service: We've partnered with the TrueCar car buying service, which helps you search for your new ride at the best price through a network of trusted dealers.
  • Easy Application: Our in-house underwriters provide a quick turnaround on loan processing and approvals. You can apply on the web, from your mobile device, or at  your nearest branch.

From start to finish, 3Rivers makes the auto buying process simple. When you’re ready for a new ride, we’re ready to help—online, in person, and even over the phone.

Looking to Refinance Your Vehicle?

Refinancing your auto loan may be a smart move, given the right circumstances. For example, if interest rates have dropped, your credit score has improved, or you’ve experienced a financial setback since purchasing your vehicle, a refinance could mean more money each month to use toward other financial goals and priorities. Check out this blog post to learn more about when an auto loan refinance might be in your best interest.

Get a Quick Home Insurance Quote!

Once you’ve purchased your dream car or home, or started your small business, you’ll want to make sure they’re well protected. We offer insurance options and protection plans that will give you peace of mind now and save you time, stress, and money should the unexpected occur later on. Take a moment to insure your Vehicle, Home, or Business today!

Get a Home Insurance Quote

Search for Your Next Car

Save time and money on your next car or truck purchase with the 3Rivers Car Buying Service, powered by TrueCar. Start your search below or learn more about this free car buying service.

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If you've been dreaming of hitting the open waves or cruising the open road, we can help make it a reality! In addition to the traditional auto loan, we offer options for motorcycle, boat, and camper loans.

If you're thinking about refinancing an existing loan, we may be able to save you money—month to month and in the long-run!

Don’t forget to protect your dream ride—and yourself! We offer coverage options to ensure that both you and your new vehicle are protected.

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Vehicle Loans

Last updated: 7/1/2024
Vehicle Loans Rate (As Low As) APR1
Auto, Truck & Motorcycle 6.59% 7.60%2
Boat, Camper & RV 7.09% 7.92%3
Powersport & Other 7.69% 8.71%4

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

2 Vehicle Loans Assume you will borrow $25,000 with $99 loan processing fee; the loan amount will be $25,099. The calculated APR on 36 months loan with an interest rate of 6.39% would be 6.65%.

3 Camper / RV or Boat Loans where model year is from 2019 to 2021, add 1% to the listed rates. Where model year is 2015 to 2018, add 2%. If model year is 2014 or older add 3% to the listed rates. Assume you will borrow $35,000 with $99 loan processing fee; the loan amount will be $35,099. The calculated APR on 60 month loan with an interest rate of 7.09% would be 7.20%.

4 Powersport/Other includes all vehicles/collateral that have a serial number and/or VIN, and that do not fall into our other vehicle loan categories. Some examples include: ATVs, UTVs, PWCs, Snowmobiles, Scooters, Non-Street Motorcycles, Trailers, Farm/Lawn Tractors/Mowers, Recreational Use Golf Carts. 73-96 months and 97-144 months for Boat Piers, Dock and Lift only. All units in this category must have a VIN and/or Serial Number to qualify **2019 and older units in this category must be financed using our Unsecured Term Loan options. Assume you will borrow $15,000 with $99 loan processing fee; the loan amount will be $15,099. The calculated APR on 48 month loan with an interest rate of 7.69% would be 8.03%.

• Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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