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| Vehicle Year | Loan Term | APR AS LOW AS* | LOYALTY APR AS LOW AS* |
|---|---|---|---|
| New 2026 & New/Used 2026 | up to 65 | 6.09% | 5.59% |
| 2025 - 2024 | 66-72 | 6.29% | 5.79% |
| 2025 - 2024 | 73-84** | 6.84% | 6.34% |
| Vehicle Year | Loan Term | APR as low as* | Loyalty APR as low as* |
|---|---|---|---|
| 2024 - 2023 | up to 65 | 6.09% | 5.59% |
| 2023 - 2022 | 66-72 | 6.29% | 5.79% |
| 2023 - 2022 | 73-84** | 6.84% | 6.34% |
| Vehicle Year | Loan Term | APR as low as* | Loyalty APR as low as* |
|---|---|---|---|
| 2022 - 2021 | up to 60 | 6.54% | 6.04% |
| 2021 - 2020 | 61-66 | 6.64% | 6.14% |
| 2021 - 2020 | 67-72 | 6.74% | 6.24% |
| Vehicle Year | Loan Term | APR as low as* | Loyalty APR as low as* |
|---|---|---|---|
| 2020 - 2018 | up to 60 | 6.64% | 6.14% |
| 2019 - 2017 | 61-66 | 6.79% | 6.29% |
| 2019 - 2017 | 67-72 | 7.04% | 6.54% |
| Vehicle Year | Loan Term | APR as low as* | Loyalty APR as low as* |
|---|---|---|---|
| 2017 and older | up to 36 | 8.49% | 7.99% |
| 2016 and older | 37-48 | 8.54% | 8.04% |
| 2016 and older | 49-60 | 10.19% | 9.69% |
Learn about the loans we offer:
Home Loan | Personal Loan | Auto Loan | Revolving Line of Credit | ITIN Lending | Secured Loans
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*Annual Percentage Rate. Rates effective as of March 12, 2026, and subject to change without notice. All loans are subject to credit and collateral approval. Final rate determined by credit score, vehicle age and loan term. Member Loyalty Loan Rate Discount: A 0.50% APR discount is available to members with (1) an active direct deposit totaling $500 or more per month to a Cobalt checking account, (2) at least one Cobalt loan, line of credit, HELOC, mortgage, or Cobalt Credit Card already open at the time of application, and (3) all Cobalt accounts in good standing. See a representative for full details. Limited-time offer. Other terms and conditions may apply. Financing on 79-84 month terms available on loans exceeding $25,000 only. Loan example: $30,000 loan with a 48-month term and 9.89% APR is $823.60, excluding the $40 loan processing fee or any additional loan vehicle coverage options. **79 - 84 months financing available on loans exceeding $25,000 only. |
