Auto Loans Designed Around Your Budget
Whether you're buying your next vehicle or looking to save money on the one you already have, Your Credit Union offers auto loan options that fit your life — not the other way around. Our local lending team is here to guide you from application to keys in hand.
Choose the Option That Works for You
New & Used Auto Loans
Finance a new or used car, truck, or SUV with a fixed interest rate — meaning your payment stays the same from your first month to your last. Terms are flexible, so you can match the loan length to what fits your monthly budget.
- Good for: Members buying from a dealership or a private seller
- Vehicles covered: New cars, used cars, trucks, and SUVs
- Rates starting at: [CURRENT RATE] APR
Auto Loan Refinance
Already have an auto loan through another lender? Refinancing means replacing your current loan with a new one — often at a lower rate or with different terms. If your credit has improved since you first financed, or if rates have dropped, refinancing could reduce what you pay each month.
- Good for: Members looking to lower their monthly payment or reduce the total interest paid
- Rates starting at: [CURRENT RATE] APR
Rates & Terms
We offer fixed rates and flexible repayment terms for new, used, and refinanced vehicles. Fixed rates protect you from market changes — what you see is what you pay for the life of the loan.
| Model Years | APR* as low as |
|---|---|
| 2016 & Newer | 5.50% |
| 2011 to 2015 | 10.00% |
| 2010 & Older | 8.50% |
| New Vehicle | 3.25% |
All loans are subject to credit approval. Rates and terms are subject to change. APR = Annual Percentage Rate. Rates and terms are subject to change at any time and may vary based on creditworthiness, loan term, collateral, and other factors. All loans subject to approval. Contact a Member Service Representative for full details. | |
| 2026 Auto Loan | 5.50% |
| 2026 | |
What auto loan is right for you?
Estimate Your Monthly Payment
Not sure what you can afford? Use our auto loan calculator to run the numbers before you apply. Enter your loan amount, preferred term, and rate — and see your estimated monthly payment in seconds. There's no commitment, and it won't affect your credit.
How to Apply
Applying takes about 7–10 minutes online. Here's what to expect:
- Step 1: Gather basic information — income, employment, and the vehicle you have in mind (if you know it).
- Step 2: Complete the secure online application.
- Step 3: A member of our local lending team will follow up to walk you through your options.
- Step 4: Accept the terms that work for you — or walk away with no obligation.
Why Finance Through Your Credit Union?
- Local decisions: Your application is reviewed by a team that knows this community — not an out-of-state algorithm.
- No obligation: Applying doesn't commit you to anything. Review your offer before you decide.
- Secure application: Your personal and financial information is protected throughout the process.
- Federally insured: Your Credit Union is federally insured, so your deposits and relationship with us are protected.
- Member support: Questions before, during, or after? Our lending team is reachable by phone at [PHONE NUMBER] or by email at [EMAIL].
Ready to lower your rate? Start your refinance application today.