Vehicle Loans
Shoreline Hometown Credit Union can help you purchase a new or used car or other vehicle such as a recreational vehicle, motorcycle or boat. Become a member and apply for a loan today! You can also call or visit our convenient locations in Two Rivers or Manitowoc. Loans are subject to credit approval.
Auto Loan Rates:
Looking to buy your first car?
Whether you’re a student or a working adult, buying your first car is an exciting time in your life. A vehicle is a major purchase, and many of us need some form of financing to complete that purchase. We want to help you get into your first car and get moving.
Shoreline Hometown Credit Union is pleased to announce simple and affordable auto loans for first-time buyers. They’re a great way to build credit and get on the road to a successful future.
Special Rate for First-Time Buyers
First-Time Auto Buyers rate starting at 4.49% APR*
No Co-Signer Required
No Co-Signer required for qualified applicants.
Details You Need to Know
Maximum Loan Value: $15,000
Maximum Term: 60 months
No Co-Signer Needed
*APR = Annual Percentage Rate
This offer applies to First Time Auto Loan Buyers. Loan terms and conditions are based on credit qualifications, relationship and approval. Rates, terms and conditions are subject to change. Maximum Loan Term of 60 Months. Maximum Loan amount of $15,000. Interest will begin to accrue from the date of loan disbursal and will be amortized over the monthly loan payments for the First Time Auto Loan Buyer Promotion. Membership eligibility required. Mortgage loans not included in this program. Shoreline Hometown Credit Union existing loans do not qualify. As an example, 60 monthly payments of $18.64 per $1,000 borrowed based on 4.49% Annual Percentage Rate (APR)
NEW OR USED, TITLED/NON-TITLED VEHICLE LOAN RATES
Vehicles, Boats, RVs, On-Road Motorcycles, ATVs, Snowmobiles, Dirt Bikes, Personal Watercraft
| Term | APR Rate | Monthly Payment** |
|---|---|---|
| (up to) | (as low as)* | |
| 24 mo. or less | 2.24% | $42.65 |
| 36 mo. | 2.54% | $28.88 |
| 48 mo. | 2.74% | $22.02 |
| 60 mo. | 2.94% | $17.94 |
| 72 mo. | 3.14% | $15.26 |
| 84 mo. | 3.34% | $13.37 |
| 120 mo. (Boat/RV’s >$40k, 100% LTV) | 4.34% | $10.29 |
Classic Car Financing
We will finance your dream car at 2021 rates, that’s a fact. Maximum term of up to 84 months too.
Shoreline Financing*
| Model Year | % Financed | Max. Term |
|---|---|---|
| 2017-2021 | *100% | 84 months |
| 2016 | *100% | 84 months |
| 2015 | *100% | 84 months |
| 1909-2014 | *100% | 84 months |
Other Lender Auto Financing
| Model Year | % Financed | Max. Term |
|---|---|---|
| 2017-2020 | 100% | 84 months |
| 2016 | 90% | 72 months |
| 2015 | 90% | 60 months |
| 2011-2014 | 80% | 48 months |
*Rate subject to loan-to-value ratios. All rates subject to change. Membership Eligibility Required. Loan terms and conditions are based on credit qualifications, relationship and approval.
** Monthly payment is based on payment per $1,000 borrowed for rate and term. Rates effective as of 3/24/2022. Rates, terms, and conditions are subject to change without notice.
Federally insured by NCUA.
Protect yourself from unforeseen expenses in case of an accident or major car repairs.
Learn more about GAP (Guaranteed Asset Protection), and MRC (Mechanical Repair Coverage).
Shoreline lending experts who can assist you with your loan requirements:
Tomas Salinas
920-482-3725
NMLS ID 1709773/409479
SalinasT@ShorelineCU.org
4400 Calumet Ave.
Manitowoc, WI 54220
Jason Scharping
920-482-3737
NMLS ID 1811941/409479
ScharpingJ@ShorelineCU.org
4400 Calumet Ave.
Manitowoc, WI 54220
Brandon Behm
920-482-3713
BehmB@ShorelineCU.org
3131 Mishicot Rd.
Two Rivers, WI 54241
Matt York
920-482-3729
YorkM@shorelinecu.org
4400 Calumet Ave.
Manitowoc, WI 54220
Rhonda Buechner
920-482-3751
BuechnerR@shorelinecu.org
4400 Calumet Ave.
Manitowoc, WI 54220
Bank from home! For first available Hometown Lender, email us here.