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Auto loans to suit your needs.

Ready to save on your next auto loan?
Let ECCU help you create some extra breathing room in your budget.

Apply Now

New Car

New Car

Ready to get behind the wheel and enjoy that new car smell? Get pre-qualified for an ECCU auto loan today.

Used Car

Used Car

Already found the perfect used car? Get pre-qualified with ECCU auto loan before you buy.

Refinance Auto Loan

Refinance

Existing loan with another lender? Refinance today with ECCU to lower your monthly payment.

Everyone could use some financial relief. Thanks to our low rates and no application or funding fees, you can easily apply for a new, used or simply refinance your auto loan. With ECCU, let us help you reduce your monthly payment...and breathe a little easier.

Benefits

  • Low rates: Save on monthly payments by refinancing at a lower rate
  • First payment within 90 days2: Don’t worry about a payment for a few months
  • Apply in only 10 minutes: Easily apply and submit all required documents online
  • Zero fees and no prepayment penalty: No need to worry about extra fees or submitting early payments
  • Terms up to 84 months3: Extend the length of your loan to lower your monthly payments

Rates

New Loan Rates

Used/Refinance Loan Rates

Discount Options

Want to recieve an additional 0.25% discount on your auto loan rate? Below are three simple ways to qualify.

Note: Only one of the following discounts may be applied

  • AutoPay Discount: Sign up for automatic payments from your ECCU checking account
  • Bundle Discount: Members with an ECCU credit card or personal loan
  • Bundle Discount: Members without an ECCU credit card or personal loan who apply for either and are approved, prior to signing auto loan documentation. Start by applying for your auto loan today!

Contact us today to learn more about the benefits of refinancing your Auto Loan. If you are not a current ECCU member, be sure to sign up for a checking or savings when you apply for your loan. Refer to the FAQs for more information.

How much can you save? Use this calculator to find out.

Auto Loan Calculator

Enter a total loan amount to estimate your monthly payment† or determine your loan amount.

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for a $ loan

FAQs

How long does the application process take?

Completing and submitting your application should take approximately 10-15 minutes.

What can I expect when applying for a used or new vehicle

  • First, complete your loan application
  • Once completed, within two business days you will receive decision via email
  • If you are not a current ECCU member, you will need to become a member and open at least one deposit account (checking or savings)
  • After selecting your vehicle, you will need to supply ECCU with a copy of your purchase order
  • Lastly, you will sign your loan documents and you’re done!

What can I expect when applying for a refinance?

  • First, complete your loan application
  • Once completed, within two business days you will receive decision via email
  • If approved, you will be asked to provide copy of the registration and the latest statement
  • If you are not a current ECCU member, you will need to become a member and open at least one deposit account (checking or savings)
  • Lastly, you will sign your loan documents and you’re done!

Are there any vehicle restrictions?

Vehicles must be 10 years or newer, have less than 125,000 miles, and may not be a commercial vehicle.

Are there FICO score requirements to apply for an auto loan?

You must have a minimum FICO score of 640.

Who is eligible to apply?

Anyone who has a Social Security Number or ITIN and is 18 years or older is welcome to apply. Please note that before your loan is funded, you must become a member of ECCU and open at least one deposit account (checking or savings). If you are not a current member, click here to apply. Applying for membership is quick and easy.

How do I check the status of my application?

To check the status of your application login here. You will be required to provide your last name, email address used on your application, and your social security number.

What do I do if I need to provide additional documentation for my loan request?

To provide additional documentation, login here. You will be required to provide your last name, email address used on your application, and your social security number. When logged in, select the arrow icon and follow the prompts to upload your documents.

ECCU finances loans nationwide, excluding Pennsylvania.

1. Rates published are Annual Percentage Rates (APR). Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount and term. Current APR listed are the rates as of April 13, 2021. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services 800.325.4652.

2. Interest will continue to accrue from when the loan is funded until the first payment date. For example, if you choose to make your first payment 90 days after the loan is funded, the amount of interest that will be collected is from the loan funding date to the date the first payment is made.

3. 84-month terms available to those with 700+ credit score. Maximum Vehicle Age - 10 years; Maximum Mileage - 125,000

†The auto loan payment calculator is provided to help you estimate your monthly payment. Results are estimates only and are not guaranteed. The terms and conditions offered by ECCU will differ and may affect the results of the calculator. If you have specific questions regarding your financial situation, please contact your financial advisor.