The Excite Credit Union is a auto loan from Excite Credit Union. The ongoing APR is As low as 7.25% APR (48 months), 7.50% (60), 8.00% (72), 8.25% (84); rates reflect a max .25% discount (effective 10/15/2026). Typical credit limit: Minimum $5,000 (48-60 months), $15,000 (72 months), $20,000 (84 months); may finance up to 115% of Kelley Blue Book Retail Value including tax, license, mechanical breakdown insurance and gap insurance. Loan terms: 48 to 84 months.