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!

Rates as of 4/23/2014

Vehicle Loans

  Annual
Percentage Rate
Auto and Truck (new)
  6-48 Months 2.250% - 8.250%(1)
  49-60 Months 2.250% - 8.250%(1)
  61-72 Months 2.450% - 8.450%(1)
  73-84 Months 3.000% - 9.000%(1)
  85-96 Months 6.500% - 12.500%(1)
Auto and Truck (used)
  6-48 Months 2.250% - 10.750%(1)
  49-60 Months 2.250% - 10.750%(1)
  61-72 Months 2.450% - 10.950%(1)
  73-84 Months 3.000% - 11.500%(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.