Get an Auto Loan for your New or Used Car with ACU!

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Affordable

With low rates like these, your new car payment is going to be more affordable than ever! Get an update on the status of your application today.

Check Loan Status >

Auto Loan Rates

Length of Term	Annual Percentage Rate (APR)**
TEXT Up to 24 months	TEXT as low as 3.69%
TEXT 25 to 36 months	TEXT as low as 4.19%
TEXT 37 to 60 months	TEXT as low as 4.34%
TEXT 61 to 72 months	TEXT as low as 4.94%
TEXT 73 to 84 months	TEXT as low as 5.49%
Effective January 25, 2023

Length of Term

Up to 24 months

Annual Percentage Rate (APR)**

as low as 3.69%

Length of Term

25 to 36 months

Annual Percentage Rate (APR)**

as low as 4.19%

Length of Term

37 to 60 months

Annual Percentage Rate (APR)**

as low as 4.34%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 4.94%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 5.49%

Effective January 25, 2023

Not a member yet? Confirm your eligibility for membership here

**Annual Percentage Rates are effective as of 01/25/2023. 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.

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

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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!

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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

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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!

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Claim Your FREE Copy!

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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.

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.