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Auto Loans

New or used car, truck, van or SUV
  • Treat yourself to a vehicle you love. Limited Time Auto Loan Offer: Rates as low as 5.04% APR1 and no payments for 90 days. Apply February 1-28, 2023. Good toward new or used vehicle purchases, or auto loan refinances.
  • Apply and shop with check in hand
  • Decisions in as little as one business day for most applications
  • Flexible terms to fit your budget

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Home Equity Loan

Single Payout
  • Fixed rate and term
  • Fixed monthly payments help with budgeting

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Home Equity Line of Credit

Access funds on an ongoing basis
  • 3.99% Intro APR for 6 months on new home equity lines of credit then as low as 7.75% variable APR2
  • No balance transfer fee, annual fee or late payment fee

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Boat Loans

New or used boat
  • Low boat loan rates
  • Apply in just minutes

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Mortgages

Buy or refinance a home
  • Low rates, low fees and closing costs
  • Quick application
  • Flexible terms
  • Seasoned mortgage professionals guide you through the process

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  1. 1 Rates effective February 1, 2023, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. Promotional rate includes 1.00% reduction for automated payments from an Elements checking account set up at closing. First payment due 90 days from loan funding. APR calculation and estimated monthly payment of $694.55 based on loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval. Offer available for auto loans closed February 1-28, 2023. Third-party refinance vendors transactions are not eligible for current promo rate. FICO score less than 640 not eligible for promotional rate or 90 days to first payment. Elements may end offer at any time. Rates subject to change.
  2. 2 Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 3.99% is for new Home Equity Lines of Credit only and is for the first six months. To receive the Introductory rate, a draw of at least $10,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of February 2, 2023, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will pay flood determination fee, title search, and simple valuation. You may be required to pay other costs such as recording fees, taxes, and when required, appraisal fees. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.