The Excite Credit Union is a auto loan from Excite Credit Union. The ongoing APR is As low as 9.74% APR (24-60 months), 9.99% (72 months) (effective 10/15/2026). Typical credit limit: Minimum $5,000 (24-60 months), $15,000 (72 months); maximum amount financed $50K; may finance up to 115% of MSRP including tax, license and warranty. Loan terms: 24 to 72 months.