The Royal Credit Union is a auto loan from Royal Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 24 Month 4.94%; 36 Month 5.69%; 48 Month 6.04%; 63 Month 6.19%; 75 Month - $10,000 Minimum 6.54%; 84 Month - $20,000 Minimum 7.44% (rates shown are the lowest possible rate; current as of 06/01/2026). Loan terms: Boats, RVs, travel trailers, and motor homes can amortize up to 180 months with a five-year balloon at a higher rate than listed above.