Loan Rates

Effective Date: April 15, 2024 / *APR = Annual Percentage Rate

Borrow smarter with convenient, competitive loan rate and term options from Toledo Metro Federal Credit Union.

Toledo Metro Federal Credit Union offers a full array of loan products and services designed to meet your every need.

Not sure about what the right loan may be for you? – Call one of our dedicated loan officers at (419) 242-4926, and we'll be happy to help!

New Auto Loans

Credit Score	72 Mos or Less	More than 72 Mos
A+ 740+	5.25%*	5.75%*
A 700 ‐ 739	5.75%*	6.25%*
B 670‐699	6.75%*	7.25%*
C 650‐669	9.25%*	9.75%*
D 630‐649	12.25%*	12.75%*	*With .50% discount for Automatic Payments or Direct Deposit
E 560-629	Ask about our DRIVE program!

Used Auto Loans

Credit Score	72 Mos or Less	More than 72 Mos
A+ 740+	5.255%*	5.75%*
A 700 ‐ 739	5.75%*	6.25%*
B 670‐699	6.75%*	7.25%*
C 650‐669	9.25%*	9.75%*
D 630‐649	12.25%*	12.75%*	*With .50% discount for Automatic Payments or Direct Deposit
E 560-629	Ask about our DRIVE program!

Motorcycles, Classic, And Recreational Loans

Credit Score	Motorcycles	Classic & Recreational Vehicles
A+ 740	6.49%*	6.49%*
A 700 ‐ 739	7.49%*	7.49%*
B 670‐699	8.49%*	8.49%*
C 650‐669	11.49%*	11.49%*
D 600‐639	14.99%*	14.99%*	*With .50% discount for Automatic Payments or Direct Deposit.
E 560-629	15.99%*	N/A

Auto Loan Term Eligibility

Model Year	Term
2024-2025	Up to 84 months
2019-2023	Up to 72 months
2016-2018	Up to 60 months
2013-2015	Up to 48 months
2006-2012	Up to 36 months
Older	See Classic & Recreational Vehicles

Motorcycle Loan Term Eligibility

Classic & Recreational Vehicles Loan Term Eligibility (Boats, RVs, Jet Skis, ATV's, Snowmobiles, Etc.)

Amount Financed	Max Term
$75,000+	180 mo.
$50,000‐$75,000	120 mo.
$35,000‐$49,999	84 mo.
$20,000‐$34,999	72 mo.
<$19,999	60 mo.	Classic Vehicles require an appraisal from a certified dealer.

PERSONAL LOANS

Loan Amount	Term	APR*
Up to $10,000	Up to 48 mos	As low as 10.99%