Phishing Scam

A scam is currently circulating involving a phone caller that claims your ATM card has been blocked and asking you to press 1 to restore service. These calls are a scam and neither HomeFed or Bank of the Cascades would contact you in this manner. If you've given out your card information, please contact us at 1-800-888-7283.

Home Federal Bank

New Car and Truck Loans

Competitive financing options help get you into your new set of wheels

There's simply nothing like that new car smell. Let us help get you into a new set of wheels with a car or truck loan at Home Federal Bank.

We also offer financing for used cars and trucks up to ten years old, as well as recreational vehicle loans, motorcycle, snowmobile, all-terrain vehicle (ATV), boat, trailer or personal watercraft.

Amount
$2,500 minimum loan amount
Term
36 to 72 months
Max Loan To Value
80% to 100%
Loan Fee
$100
Payments
Fixed monthly payments
Prepayment Penalty
None
Disclosures
See disclosures tab for full details.
Term Minimum Loan Maximum Loan to Value As Low As Rate APR Monthly Payment
36 months $2,500 80%
90%
100%
3.74%
3.99%
4.24%
4.711%
4.963%
5.214%
$294.09
$295.20
$296.32
48 months $2,500 80%
90%
100%
3.84%
4.09%
4.34%
4.578%
4.830%
5.081%
$225.08
$226.20
$227.32
60 months $2,500 80%
90%
100%
3.99%
4.24%
4.49%
4.587%
4.839%
5.091%
$184.12
$185.25
$186.39
72 months $2,500 80%
90%
100%
4.14%
4.39%
4.74%
4.643%
4.895%
5.247%
$157.09
$158.24
$159.85

Annual Percentage Rate (APR) and Monthly Payment for each Term are based on a $10,000 loan amount including a $100 loan fee and $45 document preparation fee. APR and Monthly Payment are for illustrative purposes only; the actual APR and Monthly Payment will vary depending on the amount borrowed and number of payments. Additional fees may apply. Subject to credit approval.

View Disclosure

Effective date: 4/17/2014

APR effective as of date shown above.

As Low As Rate Explanation
The "As Low As" rate shown reflects a Relationship Pricing Reduction of 0.25%. Relationship pricing may be earned by maintaining an automatic loan payment from a Home Federal Bank checking account for the loan term. All loans are subject to rate increases due to factors such as complexity, risk or other considerations. Relationship Pricing Reduction may never reduce the rate below the loan program rate floor, if applicable.

Dreaming of new wheels?

A car or truck loan at HomeFed is an easy way to make your dream a reality.

  • Financing options up to 72 months are available, making your monthly payment more affordable
  • Fixed monthly payment makes budgeting easier
  • Rate is reduced when you bank with HomeFed

Other Benefits and Features

  • Fixed interest rate does not change from month to month
  • Online access to your loan account via eBanking

Subject to credit approval. 

Loan to Value (LTV) is based on purchase price from purchase order and varies according to rate and term desired and creditworthiness. Not all will qualify for highest LTV.

$2,500 minimum loan amount; $100 minimum monthly payment.

New cars or trucks are considered to be up to one model year old.