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Loans

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Auto Loans

New or used car, truck, van or SUV
  • Rates as low as 2.22% for 48 months1
  • 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
  • 0.99% Intro APR for 6 months on new home equity lines of credit then as low as 3.75% 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 September 1, 2021, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rate. A $140 processing free applies to all booked auto loan applications. APR calculation and example monthly payments in Auto Loan rate table for New & Used 2020+ model years based on loan amount of $30,000, FICO® score of 800 or greater, and term of 48 months. APR calculation and example monthly payments for other displayed model years based on loan amount of $30,000, FICO® score of 730 or greater, and term of 48 months. Rate includes 0.25% dedication for automated payment from an Elements checking account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for vehicle models 2013 and prior.
  2. 2 Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. 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 0.99% 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%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of September 1, 2021, 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.