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Auto Loans

Auto Loans

Whether it's your first car or your dream car, Evergreen Bank Group can help you finance your next auto purchase.

Whether it's your first car or your dream car, Evergreen Bank Group can help you finance your next auto purchase.


We're here to meet your unique needs with a wide variety of rate and term combinations. Plus, you get the benefit of a bank that knows you and treats you and your loan as more than a set of numbers.

Summary
  • Competitively low rates
  • Flexible terms
  • Pre-approval for extra bargaining power
  • Localized process
  • Personalized service

If you would prefer to apply via paper application, click HERE.

Interest Rates

Car Type…........Term………………........APR*

New Car……......Up to 60 months…......3.49% APR*

New Car……......61 to 72 months…......3.79% APR*

Used Car......…...Up to 60 months….....3.79% APR*

Used Car….........61 to 72 months…......4.09% APR*

*All annual percentage rates are accurate as of August 1, 2015 and are subject to change at any time.


Representative Monthly Payment Examples Per $1,000:

Term.................................New Car..........................Used Car

12 Months.........................$84.92..............................$85.06

24 Months.........................$43.20..............................$43.34

36 Months.........................$29.30..............................$29.43

48 Months.........................$22.35..............................$22.49

60 Months.........................$18.19..............................$18.32

72 Months.........................$15.55..............................$15.69


Terms

Rates displayed are Annual Percentage Rates. Rates and payments start as low as the above published rates and are based upon applicant credit evaluation as determined by applicant's credit, payment history and collateral. Rates and financing terms based on new vehicle purchase price with minimum of 10% down payment or NADA loan values for used vehicle. Collision insurance is required for all auto and motorcycle loans financed with Evergreen Bank Group with a maximum deductible of $1,000. Rates may be discounted for customers with automatic payment from an Evergreen Bank Group checking or savings account. The quoted rates do not reflect this discount of 25 basis points. Credit and other restrictions may apply.

80% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest Rate (Prime 3.25%)APR*
$100,000 to $150,000Prime +.00 to Prime + NA4.25% Rate Floor
$50,000 to $99,999Prime + .25 to Prime + .504.25% Rate Floor
$25,000 to $49,999Prime + .50 to Prime + .754.25% Rate Floor
Up to $24,999Prime + .75 to Prime + 1.004.25% Rate Floor
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $75,000

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $75,000Prime + .50 to Prime + .754.25% Rate Floor
$25,000 to $49,999Prime + .75 to Prime + 1.004.25% Rate Floor
Up to $24,999Prime + 1.00 to Prime + 1.254.25% to 4.50%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $75,000Prime + 1.00 to Prime + 1.254.95% Rate Floor
$25,000 to $49,999Prime + 1.25 to Prime + 1.504.95% Rate Floor
Up to $24,999Prime + 1.50 to Prime + 1.754.95% to 5.00%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 90% Maximum Loan Amount $60,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
$50,000 to $60,000Prime + 1.25 to Prime + 1.504.95% Rate Floor
$25,000 to $49,999Prime + 1.50 to Prime + 1.754.95% to 5.00%
Up to $24,999Prime + 1.75 to Prime + 2.005.00% to 5.25%

Fees:

$50 annual fee (waived with Evergreen Bank Group personal checking)

$295 processing fee

Terms:

  • IL Property Only, Primary Residence, Owner Occupied, Single Family Residence or Condo (no multi-unit or co-op properties)
  • Rate floor on floating rate line of credit programs range from 4.25% to 4.95%
  • Processing fee $295/file
  • HELOC payments are due on the 20th of each month (statements are generated on the last day of each month)
  • Minimum advance amount per draw is $500
  • Property insurance is required
  • Credit subject to approval
  • Balloon payment
  • Rates are variable and are based on the Wall Street Journal Published Prime Rate.
  • Rates, terms, and conditions are subject to change at any time

Disclosures:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.00, subject to change with Prime. As of today, the Prime Rate is 3.25%. The "floor" ranges from 4.25% to 4.95%, and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

80% Combined Loan to Value Program:

Note: Credit and other restrictions may apply. Annual Percentage Rate (APR) can change on the first business day of the month following the change to the Wall Street Journal Prime Rate. There is no limit on the amount by which the annual percentage rate can change during any one year period. However, under no circumstances will your Annual Percentage Rate exceed 19.90% per annum or, go below 4.25% per annum at any time during the term of the Plan. If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01. This Annual Percentage Rate could be reached immediately or prior to the first payment. Payments do not include amounts for taxes and insurance. There is a processing fee of $295 at the time of account opening. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Offer subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

90% Combined Loan to Value Program:

Note: Credit and other restrictions may apply. Annual Percentage Rate (APR) can change on the first business day of the month following the change to the Wall Street Journal Prime Rate. There is no limit on the amount by which the annual percentage rate can change during any one year period. However, under no circumstances will your Annual Percentage Rate exceed 19.90% per annum or, go below 4.95% per annum at any time during the term of the Plan. If you had an outstanding balance of $10,000, the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01. This Annual Percentage Rate could be reached immediately or prior to the first payment. Payments do not include amounts for taxes and insurance. There is a processing fee of $295 at the time of account opening. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Offer subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years

80% Combined Loan to Value Program – Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest RateAPR*
Up to $150,0005.99% to 6.24%6.42% to 6.68%
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $100,000

AmountInterest RateAPR*
Up to $75,0006.24% to 6.49%6.68% and 6.93%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest RateAPR*
Up to $75,0006.49% to 6.74%6.93% and 7.18%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 90% Maximum Loan Amount $60,000
(80% when 1st Mortgage Exceeds $750,000)

AmountInterest Rate (Prime 3.25%)APR*
Up to $60,0006.74% to 6.99%7.18% and 7.44%

Fees:

$295 processing fee

Terms:

  • IL Property Only, Primary Residence, Owner Occupied, Single Family Residences only (No multi-unit, no co-op properties)
  • Payments are due on the first of each month
  • Funds are disbursed in a lump sum
  • Funds will be available on the 4th business day after the loan documents are signed

Disclosures:

80% Combined Loan to Value Program:

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $59.93 at 6.42% APR for 120 months and Fixed Rate Loans Representative monthly payment example per $10,000 is $61.55 at 6.68% APR and Fixed Rate Loan Representative monthly payment example per $10,000 is $63.18 at 6.93% APR.

Evergreen Bank Group offers equity loan products with an Annual Percentage Rate (APR%) that varies between 6.42% APR and 6.93% APR for fixed rate loans, balloon payment for all unpaid principal and interest after 120 months, 80% loan to value, owner-occupied properties depending upon your commitment amount and credit qualifications. Payments shown do not include amounts for taxes and insurance. There is a one-time $295 loan processing fee at the time of account opening. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.

90% Combined Loan to Value Program:

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.16 at 6.93% APR for 120 months and *Fixed Rate Loans Representative monthly payment example per $10,000 is $64.84 at 7.18% APR and Fixed Rate Loan Representative monthly payment example per $10,000 is $66.51 at 7.44% APR.

Evergreen Bank Group offers equity loan products with an Annual Percentage Rate (APR%) that varies between 6.93% APR and 7.44% APR for fixed rate loans, balloon payment for all unpaid principal and interest after 120 months, 90% loan to value, owner-occupied properties depending upon your commitment amount and credit qualifications. Payments shown do not include amounts for taxes and insurance. There is a one-time $295 loan processing fee at the time of account opening. Funds will be disbursed after the federally mandated cancellation period. Offer applies to an owner occupied single family residence or condo and is subject to underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and qualifications. Closing costs paid by Evergreen Bank Group are limited to title, appraisal, credit report, flood determination and recording fees. Consult your tax advisor regarding the tax-deductibility of interest. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Subject to credit approval, including verification of application information and receipt of collateral documents. This offer does not apply to purchase money transactions.