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), 10.24% (84), 11.24% (120), 12.24% (121-144 months, RV only) (effective 10/15/2026). Typical credit limit: Minimum $5,000 (24-60 months) up to $50,000 minimum for 120-144 months; maximum boat loan $75,000; maximum RV loan $150,000; may finance up to 115% MSRP. Loan terms: 24 to 144 months (RV only beyond 120 months; boats up to 120 months).