The Excite Credit Union is a auto loan from Excite Credit Union. The ongoing APR is As low as 5.25% APR (up to 48 months), 5.50% (49-60), 6.00% (61-72), 6.25% (73-84); rates reflect a max .25% discount (effective 10/15/2026). Typical credit limit: Minimum $5,000 (up to 60 months), $15,000 (61-72 months), $20,000 (73-84 months); may finance up to 125% of Kelley Blue Book retail value plus tax, license, mechanical breakdown insurance and GAP insurance. Loan terms: Up to 84 months.