The Excite Credit Union is a auto loan from Excite Credit Union. The ongoing APR is As low as 4.50% APR (up to 48 months), 5.25% (49-60), 5.75% (61-72), 6.00% (73-84); rates reflect a max .25% discount (Auto Pay, LTV ≤ 85% or Electric Vehicle) (effective 10/15/2026). Typical credit limit: Minimum $5,000 (up to 48 and 49-60 months), $15,000 (61-72 months), $20,000 (73-84 months); may finance up to 125% of MSRP or Kelley Blue Book retail value plus tax, license, mechanical breakdown insurance and gap insurance. Loan terms: Up to 84 months.