Consumer Loan Rates

Learn about Alaska USA consumer loans and credit cards and how to apply.

Special vehicle loan rates available when you apply online!

Consumer Loan Rates as of 12/7/2016

Vehicle Loans

  Annual Percentage Rate
Auto and Truck (new)
  6-48 Months 2.750% - 8.750%(1)
  49-60 Months 2.750% - 8.750%(1)
  61-72 Months 3.000% - 9.000%(1)
  73-84 Months 3.500% - 9.500%(1)
  85-96 Months 6.500% - 12.500%(1)
Auto and Truck (used)
  6-48 Months 2.750% - 11.250%(1)
  49-60 Months 2.750% - 11.250%(1)
  61-72 Months 3.000% - 11.500%(1)
  73-84 Months 3.500% - 12.000%(1)
  85-96 Months 6.500% - 15.000%(1)
Motorcycle and Off-road Vehicles
  6-72 Months 3.250% - 14.350%(1)
  73-84 Months (available only on motorcycle loans) 4.500% - 12.500%(1)
Recreational Vehicle (RVs)
  6-144 Months 4.750% - 11.000%(1)
  145-180 Months 5.500% - 11.750%(1)
  181-240 Months 6.250% - 12.500%(1,2)
Pickup Camper Combination
  6-120 Months 6.500% - 10.000%(1)

Other Secured

  Annual Percentage Rate
Aircraft
  6-240 Months 6.250% - 9.250%(1,2)
Boats and Vessels
  6-120 Months 5.000% - 13.250%(1)
  121-180 Months 5.750% - 13.500%(1)
  181-240 Months 6.250% - 14.500%(1,2)
Pianos & Organs
  6-84 Months 9.500% - 13.500%(1)
Miscellaneous Equipment
  6-84 Months 5.500% - 13.500%(1)
Personal Computers
  6-48 Months 11.450%
Pledge of Certificates (Percent Above Certificate Rate) 2.000%
Pledge of Shares
  0-24 Months 2.200%
  25-60 Months 3.200%
  61-144 Months 4.200%

Credit Cards and Unsecured Loans

  Annual Percentage Rate
Credit Cards
  Visa Platinum10.5%, 12.5%, 14.5%(1)
  Visa Platinum Secured 14.500%
  Extra Credit Contact Card Services
Credit Line (unsecured) 13.500%
Signature and Comaker
  6-36 Months 14.900%

(1) Interest rate is dependent upon the credit qualifications of the borrower(s).

(2) A balloon payment for the balance owed is due 180 months from the loan date.