Automobile Loans

3Rivers provides affordable loans for both new and used cars as well as refinancing of loans you might have at other lending institutions. No application fees or early payoff penalties.

 

3Rivers Car Buying Service

3Rivers provides you with a complete car buying experience. One that's simple, hassle-free and local. Through our partnership with TrueCar, you can save time and money on your next car or truck purchase with the 3Rivers Car Buying Service

See what others paid for the new car you want or see used car market values. Get our new car Guaranteed Savings Certificate or used vehicle Price Certificate. 

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Rates & Terms

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  • Auto & Truck Loans
  • 8-01-2017

Model Year

Term

Rate

APR1

2015 & Newer

12 - 36 Months

as low as 2.19%

2.45%

2015 & Newer

37 - 60 Months

as low as 2.49%

2.65%

2015 & Newer

61 - 72 Months

as low as 2.99%

3.12%

2015 & Newer

73 - 84 Months

as low as 3.49%

3.60%

2011-2014

12 - 36 Months 

as low as 2.69%

2.95%

2011-2014

37 - 60 Months

as low as 2.99%

3.15%

2011-2014

61 - 72 Months

as low as 3.49%

3.62%

2007-2010

12 - 36 Months 

as low as 3.69%

3.95%

2007-2010

37 - 60 Months 

as low as 3.99%

4.15%

2004-2006

12 - 48 Months

as low as 5.49%

5.69%

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.

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APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

Term guidelines for VL (Vehicle Loan) Applications:  61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 

Payment Example:

60 months @ 2.49% your payment will be roughly $18.41 monthly per $1000 borrowed.

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

For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term.

For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.