Loans

         In the interest of better assisting our members with their financial needs, Northwest Missouri Regional Credit Union offers several loans and a loan rate structure based on your credit score***.

  • New auto loans as low as 4.99% APR with up to 100% financing
  • Unsecured loans ranging from $500 to $5,000 with terms for 90 days to 44 months based on the payment that best fits your budget
  • Loans for vintage automobiles (over 35 years old)
  • Term unsecured loans up to $5,000 for 6 months
  • We still offer share-secured, used vehicle, boat, RV, motorcycle and trailer loans as well as a checking account overdraft protection loan.

 *** Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit.  Rate is also based on the selected term and loan to value for vehicle loans. An evaluation of applicant credit determines the total amount financed, term and whether MSRP or Factory Invoice is used for new vehicle values. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book value for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing.

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Loan Application:  

Print both of Page 1 & Page 2*, fill-out completely, and submit to the Credit Union.

     *Child support, alimony, or separate maintenance payments need not be revealed, unless applicant wants the information included.

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Helping Hands Loan Application:

Print both of Page 1 & Page 2*, fill-out completely, and submit to the Credit Union.

 $500 loan for 90 days at 25%APR interest, payment example of $173.72.  A $25 application fee does apply.

*Child support, alimony, or separate maintenance payments need not be revealed, unless applicant wants the information included.

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Credit Union Vs. Dealership Loan Calculator

Look up collateral values at NADA.com.

*The links above will connected you to a third party web site. Please note that the Credit Union is not responsible for the information, content or product(s) found on third party web sites. By accessing the noted link you will be leaving our website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, our privacy and security policies. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than ours.

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 Loan Rates

May 15, 2018

Loan Account Type Allowable Term** Annual Percentage Rate** Base Rate(APR)
Shares Secured (60) 62 mo. 3% above last dividend paid
Credit Builder, $1,000 (61) 12 mo. 18%
New Autos 100% Financed *** (70, 81) Up to 74 mo. 4.99% to 14.49% 6.49%
Used Autos, 2015-2017 (80, 81) 62 mo. 5.99% to 15.49% 7.49%
Used Autos, 2014 (80, 81) 50 mo. 6.24% to 15.74% 7.74%
loan over $10,000 56 mo. 6.50% to 16.00% 8.00%
Used Autos, 2010-2013 (80, 81) 44 mo. 6.75% to 16.25% 8.25%
loan over $10,000 50 mo. 7.00% to 16.50% 8.50%
Used Autos, 2003-2009 (80, 81) 38 mo. 10.00 to 19.50% 11.50%
Used Autos, 2002 & older (80, 81) 32 mo. 12.75% to 22.25% 14.25%
Young Adult Auto Loan (80) 60 mo. *Based on co-signer, see above rates* *see above*
Vintage Auto’s (80, 81) 1983 & older*
$0 – $5,000 26 mo. 5.99% to 15.49% 7.49%
$5,001 – $7,500 38 mo. 5.99% to 15.49% 7.49%
$7,501 – $12,500 50 mo. 5.99% to 15.49% 7.49%
$12,501 & above 62 mo. 5.99% to 15.49% 7.49%
Other Secured (10) 44 mo. 9.75% to 19.25% 11.25%
Signature Loan (up to $5000) (90) (A – E) 44 mo. 12.50% to 22.00% 14.00%
Extended Checking (91)  $0 to $500 $30 payment 12.50% to 22.00% 14.00%
Unsecured(92) (A – C)
$500 to $1,000 14 mo. 7.50% to 17.00% 9.00%
$1001 to $3,000 20 mo. 7.50% to 17.00% 9.00%
$3001 to $5,000 26 mo. 7.50% to 17.00% 9.00%
Term Signature (max $5000) (90) 6 mo. 12.50% to 22.00% 14.00%
Helping Hands $500 (93) 90 days 25% No Base %
New Motorcycles, ATV’s, Snowmobiles, Personal Watercraft, Trailers (85% Financed of purchase price) (30, 51) 62 mo. 6.75% to 16.25% 8.25%
Used Motorcycles, ATV’s Snowmobiles, Personal Watercraft, Trailers (85% Financed of purchase price) (31, 51) 50 mo. 7.75% to 17.25% 9.25%
New RVs and Campers (85% Financed of purchase price) (40, 51) 74 mo. 6.75% to 16.25% 8.25%
loan over $20,000 122 mo. 6.75% to 16.25% 8.25%
Used RVs and Campers (85% Financed of purchase price) (41, 51) 74 mo. 7.75% to 17.25% 9.25%
loan over $20,000 122 mo. 7.75% to 17.25% 9.25%
New Boats (85% Financed of purchase price) (20, 51) 74 mo. 6.75% to 16.25% 8.25%
Used Boats (80% purchase price) (21, 51) 62 mo. 7.75% to 17.25% 9.25%

*Vintage Auto’s – 85% Market Value by current NADA per Appropriate Vehicle Condition Scale.
**Your term and annual percentage rate may vary depending on your credit worthiness. Please ask a loan officer for details regarding how your rate is determined.
***Conditions Apply for 100% Financing.

National Credit Union Administration website