<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=456359911403087&amp;ev=PageView&amp;noscript=1">
Skip to Content

Come visit our new Royal branch location - We are open!  For details click here.

      Call Center

      (800) 543-2811
      View All Locations & ATMs

      Apply For an Auto Loan

      **Annual Percentage Rates are effective as of 05/12/2023. Rates shown include discounts of up to 0.70% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms, and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      Auto Loan Rates

      Length of Term Annual Percentage Rate (APR)**
      TEXT
      Up to 24 months
      TEXT
      as low as 4.54%
      TEXT
      25 to 36 months
      TEXT
      as low as 5.04%
      TEXT
      37 to 60 months
      TEXT
      as low as 5.19%
      TEXT
      61 to 72 months
      TEXT
      as low as 5.79%
      TEXT
      73 to 84 months
      TEXT
      as low as 6.34%
      Effective May 12, 2023
      Length of Term

      Up to 24 months

       Annual Percentage Rate (APR)**

      as low as 4.54%
      Length of Term

      25 to 36 months

       Annual Percentage Rate (APR)**

      as low as 5.04%
      Length of Term

      37 to 60 months

       Annual Percentage Rate (APR)**

      as low as 5.19%
      Length of Term

      61 to 72 months

       Annual Percentage Rate (APR)**

      as low as 5.79%
      Length of Term

      73 to 84 months

       Annual Percentage Rate (APR)**

      as low as 6.34%
      Effective May 12, 2023

      Fast Auto Loans with Affordable Monthly Payments

      Now is a great time to apply!

      Buy new, used, or refinance a higher-rate loan you have elsewhere. It's the perfect loan to make your payment affordable.

      New or Used Car Financing

      • Low-interest rates and flexible terms.
      • No pre-payment penalties.
      • Up to 90 days with no payments.***
      • Terms up to 72 months
      • Up to 100% financing.*


      Auto Loan Refinancing

      If your current vehicle loan is financed with another lender, talk to us about refinancing it at ACU. We offer the best car refinance rates around. We’ll look for ways to offer you a better interest rate, lower your monthly payment and save you some money!

      Apply Now
      skinnyWebPic (8)
      skinnyWebPic (7)

      Guaranteed Auto Protection

      Protect Your Auto Loan with GAP Insurance

      The GAP Waiver covers the difference between the actual cash value of the car (primary insurance company settlement, plus the actual deductible up to $1,000) and the outstanding loan balance at the time of a loss, less certain deductions.

      GAP Insurance Features:

      • Eliminates “out-of-pocket” expense for remaining loan balance after loss settlement.
      • Helps protect credit rating.
      • Covers up to an 84-month term.
      • Covers up to 4 skip-a-pays.

      GAP Insurance does NOT cover the following:

      • Any refundable additions to the loan amount such as service warranty contracts and credit insurance.
      • Delinquent payments greater than 60 days past due.
      • Late charges or other fees are added after loan inception.
      • Any portion of the loan that exceeds 150% of M.S.R.P (new cars) or average retail book value (used cars).

      For additional details on GAP Insurance and the cost for coverage, please contact us today!

      Learn More
      Child riding in the backseat of SUV.
      Child riding in the backseat of SUV.

      Auto Loan Calculator

      Find Out How Much Car You Can Afford

      If you are wondering how much car you afford,  America's Credit Union's auto loan calculator can help! Our calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.

      With this new information, you can rework your budget to settle on an auto loan payment you are comfortable paying. It will also give you negotiating power at the dealership!

      Calculate Your Payment
      Car driving on the highway.
      Car driving on the highway.

      Car Loans 101: Car Buying Made Easy

      FREE Car Buying Guide!

      If this is your first time buying a car or if you simply want to brush up on your negotiating skills, this eBook is full of valuable information that can save you hundreds, maybe even thousands of dollars!

      Learn valuable ways to get the best deals when searching for your next car and car loan. We share tips like

      • The best time to buy a car
      • The Truth behind MSRPS
      • What to look for in your next auto loan
      • And Much More!
      car image
      Claim Your FREE Copy!
      Smiling salesman ready to shake hand at new car showroom

      NEED TO FIND OUT HOW TO GET A CAR LOAN WITH BAD CREDIT? [7 QUICK TIPS]

      When you have good credit, qualifying for a car loan is easy. However, if your credit is poor, the situation is more difficult. Fortunately, it is possible to purchase a car even if your credit isn't perfect.  If you're wondering how to get a car loan with bad credit, follow these seven tips.

      *Refinance must be from another financial institution.  **APR denotes Annual Percentage Rate. Rates, conditions, and terms may vary based on an individual's creditworthiness and credit union underwriting guidelines.  Boat, RV, Jet Ski, ATV, or Motorcycle loans are not eligible for related product and/or service discounts. Advertised "as low as" rate reflects a .40 to .70% discount through qualifying products and/or services.  ***Interest accrues from the date of the contract. 

      ehobbb

      bauer-badge

      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

      © America’s Credit Union 2023 All Rights Reserved.