Drive Away, Gear Up or Consolidate Debt, and Get 1% Cash Back
Auto Loans
- New (2021-2026 model years) or used autos (2016-20)
- Refinance your existing auto loan at a different institution at a better rate
- Up to 125% financing available
- Up to 84-month term
Recreational Loans
- Finance a motorcycle, tractor, truck camper, tent trailer, travel trailer, motor home or watercraft
- Up to 100% NADA financing available
- Up to 144-month term
Student Loan Refinance
- Consolidate up to $100,000 into one loan
- Enjoy a competitive fixed rate
- $5,000 minimum loan amount
- Up to 10-year term
Signature Loans
- Personal expenses, unexpected costs or repairs, vehicles older than 2016 model years
- $1,500 minimum loan amount
- 18 to 60-month term
Share Secured Loan
- Build your credit with cash on hand
- Pledge funds in a savings account or certificate to use as collateral for the length of the loan
- $1,000 minimum loan amount
- Up to 144-month term
Credit Builder Plus Loans
- Build your credit while you save money to access after your loan is paid off
- Funds are placed on hold in a savings account for the length of the loan
- $1,000 minimum loan amount
- 12- to 24-month term
Cash back offer is equal to 1% of the loan-to-value amount, up to a maximum of $500, and is valid July 1, 2026 through September 30, 2026. Offer applies to new consumer loans only and excludes real estate-secured loans, revolving lines of credit, and Surefire auto loans. The loan must remain with Fort Financial for a minimum of six (6) months from the funding date; otherwise, the 1% cash back amount will be added to the loan payoff balance. Loans must be closed at a Fort Financial branch to qualify. Offer is subject to change without notice. Additional qualifications apply, including review of credit history.
You may be pre-qualified for an auto loan
Log in to online/mobile banking and click "My Offers" or visit your personal offer site with your unique code. Need your code? Call 260.432.1561 (option 3). Learn more about pre-approved loans and special offers here. Pre-approved auto loan offers are eligible for 1% cash back.
Vehicle Loan Rates
| Loan | Annual Percentage Rate (APR) | Minimum Amount |
|---|---|---|
| New Vehicle Loans | As low as 4.49% | $5,000 |
| Used Vehicle Loans | As low as 5.49% | $5,000 |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | ||
| New vehicle rates include model years 2021-2026, used vehicle rates include model years 2016-2020 | ||
Personal Loan Rates
| intentionally empty table header | Signature Loans | Share/Certificate Secured Loan | Credit Builder Plus Loan | Open End Line of Credit |
|---|---|---|---|---|
| Amount | $1,500 minimum | $1,000 minimum | $1,000 - $5,000 | $500 - $8,000 |
| Annual Percentage Rate (APR) | As low as 12.24%* | 2% over share or certificate rate | 6.75% | 11.90% |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | ||||
| Annual Percentage Rate | Loan Amount | Maximum Term |
|---|---|---|
| As low as 5.74% | $5,000 - $100,000 | 10 years |
| Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes automatic payment discount of 2.00% APR. | ||