APR = Annual Percentage Rate. APR will reflect a one-time $49 loan processing fee for funded loans. No payments for 90 days offer applies to car, truck, boat, ATV, motorcycle, snowmobile or camper loans. Loan rates, terms, conditions and instant approval based on credit qualifications, account relationship and approval. Rates, terms and conditions are subject to change. Purchases or an existing loan at another financial are eligible for this offer. $5,000 new money required on existing vehicle loans with Verve, a Credit Union. Interest will accrue with the Have More Holiday Loan. The first scheduled payment may not cover the accrued interest from 90 days of no payments. Offer valid on loan applications submitted through 12/31/2023. Cannot be combined with other offers. A floor rate for this offer exists. Please contact us to see if your loan qualifies. Membership eligibility required. Federally insured by NCUA.