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Auto Loans

New or used car, truck, van or SUV
  • Limited Time Auto Loan Offer: Rates as low as 5.79% APR1 with no payments for 90 days. Apply now through March 13.
  • 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 8.50% variable APR2
  • No balance transfer fee, annual fee or late payment fee

View Details

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 March 1, 2024, 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 1.25% reduction for automated payments from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. First payment due 90 days from loan funding. APR calculation and estimated monthly payment of $701.85 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 15 - March 13, 2024. Third-party refinance vendor transactions are not eligible for current promo rate. Elements Financial refinances subject to $200 refinance fee. 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. HELOC modifications, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. 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 March 1, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee to the amount of the Closing Costs originally waived. 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.