With ECCU auto loans, you can take advantage of:
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
Contact us today to learn more about the benefits of refinancing your Auto Loan. If you are not a current ECCU member, membership and at least one deposit account (checking or savings) must be established prior to your loan funding. Refer to the FAQs for more information.
Completing and submitting your application should take approximately 10-15 minutes.
Vehicles must be 10 years or newer, have less than 125,000 miles, and may not be a commercial vehicle.
You must have a minimum FICO score of 640.
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.
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.
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 January 12, 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.
†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.