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New and Used Auto Loans

New and Used Auto Loans

Apply for an Auto Loan

At America’s Credit Union, auto loans are our specialty. That’s why we’ll do everything we can to help put you in your next vehicle. Our great low rates start As Low As 2.49% APR, and we’ll work with you to help find the best lending solution to suit your needs.

Auto Loan Features

  • Low-interest rates and flexible terms.
  • No pre-payment penalties.
  • Up to 90 days with no payments.*
  • Up to 100% financing.*
  • Automatic payment options.
car with cowboy hat on dash

ACU loan officers are always ready to meet with you about your auto loan and help you find terms for a payment you can afford. Stop by any ACU office, or apply online here on our website. Our online loan application makes the auto loan experience even more convenient for you. Whether you visit with us in person or apply online, you can get pre-approved before you shop. That way, you’ll know how much car you can afford when you head out to the dealers.

Auto Loan Refinancing

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

Protect Your Auto Loan with GAP and MRC

Along with new and used auto loans, and all the great features that come with them, ACU offers two loan protection products. If your vehicle is stolen or totaled in an accident or another occurrence, GAP (Guaranteed Auto Protection) helps make up any difference between what you owe on your loan and the value of the car. MRC (Mechanical Repair Coverage) provides coverage for unexpected repairs at the same level offered by many dealers, however usually at a lower cost. Ask a Loan Officer about GAP and MRC for more information.

Auto Loan Rates

Loan Payment Calculator

Length of Term Annual Percentage Rate (APR)
TEXT
Up to 24 months
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as low as 2.49%
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25 to 36 months
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as low as 3.29%
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37 to 60 months
TEXT
as low as 3.49%
TEXT
61 to 72 months
TEXT
as low as 3.89%
TEXT
73 to 84 months
TEXT
as low as 4.69%
Effective October 1, 2019
Length of Term

Up to 24 months

Annual Percentage Rate (APR)

as low as 2.49%

Length of Term

25 to 36 months

Annual Percentage Rate (APR)

as low as 3.29%

Length of Term

37 to 60 months

Annual Percentage Rate (APR)

as low as 3.49%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)

as low as 3.89%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)

as low as 4.69%

Effective October 1, 2019

*Actual rate is based on loan term and credit rating of the member. All rates and yields are subject to change. Rate and term based on year and mileage of the vehicle. Interest will accrue during the 90 days without payments. 73 to 84-month terms are for vehicles $50k & above, max 100% financing (NADA Retail or MSRP), new vehicles only 10,000 miles or less. Questions? Call 1-800-543-2811.

Vehicles 2014 & Older

Year Model Length of term Annual Percentage Rate (APR)
TEXT
2014 and Older
TEXT
Up to 48 Months
TEXT
as low as 3.99%
Effective October 1, 2019
Year Model

2014 and Older

Length of term

Up to 48 Months

Annual Percentage Rate (APR)

as low as 3.99%

Effective October 1, 2019

*Actual rate is based on loan term and credit rating of the member. All rates and yields are subject to change. Rate and term based on year and mileage of the vehicle. Questions? Call 1-800-543-2811.

Auto Loan Resources

Absolutely Everything You Need to Know About a Car Loan

FREE EBOOK OFFER!

Auto Loan eBook Cover ImageIf 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!

 
Table of Contents (sneak peek):

Part 1: Looking For A Loan?

  1. Auto Loans with America’s Credit Union
  2. Picking a Lender You Can Trust
  3. Credit Scores and Loan Rates
  4. How Much Can You Afford? Setting A Budget
  5. Getting Organized: The Paperwork You Will Need

Part 2: Ready for The Dealer?

  1. Introduction: How to Select the Right Car for You
  2. New vs. Used: Which Works Best for You?
  3. Credit Scores and Loan Rates
  4. How and When to Get Pre-Approved


Claim Your eBook!


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.

 

Apply Online Today!

Apply for an Auto Loan