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New and Used Auto Loans. Let's get you on the road!

  • Up to 100% financing.*
  • Low-interest rates and flexible terms.
  • Up to 90 days with no payments.***
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Car in sunset. Auto Loans at Americas Credit Union
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.

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Hot Summer Loan Rates!

Now is the time to refinance or buy new. Enjoy your summer with no payments for 90 days***. Limited time only, apply now.

Whether you're looking to buy a new, or new-to-you car or truck, refinance a higher rate loan you have elsewhere, or looking to get preapproved before you shop now is a great time to apply!

 

Auto Loan Features


  • 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.*
  • Automatic payment options.
  • Save time and money with our Auto Buying Service.


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!

 

GAP and MCR


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.

Woman and dog in car on a beach. Americas Credit Union Auto Loans

*Refinance must be from another financial institution.  **APR denotes Annual Percentage Rate. Rates, conditions, and terms may vary based on an individual's credit worthiness and credit union underwriting guidelines.  Boat, RV, Jet Ski, ATV, or Motorcycle loans are not eligible for relationship 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. 

couple buying a new car

Auto Buying Service

Let us do the legwork for you! Simply tell us the year, make, model, and preferred options of your desired vehicle and our auto buying specialist will find you the very best deal. All you’ll have to do is sign the loan documents and drive away happy!

  • Get pre-approved.
  • Tell us the year, make, model and preferred options of the vehicle you want.
  • Have a trade? Provide us with the details of your trade vehicle.
  • Just Ask Jack! One of our specialists will contact you if there are any questions, then they will locate the vehicle you desire and get the best possible pricing.
  • Close your loan and drive home.

 

Auto Loan Rates

Loan Payment Calculator

Length of Term Annual Percentage Rate (APR)**
TEXT
Up to 24 months
TEXT
as low as 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.99%
TEXT
37 to 60 months
TEXT
as low as 2.14%
TEXT
61 to 72 months
TEXT
as low as 2.74%
TEXT
73 to 84 months
TEXT
as low as 3.29%
Effective May 1, 2021
Length of Term

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.49%

Length of Term

25 to 36 months

Annual Percentage Rate (APR)**

as low as 1.99%

Length of Term

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.14%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.74%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 3.29%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. 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.

Vehicles 2015 & Older

Length of term Annual Percentage Rate (APR)**
TEXT
Up to 24 months
TEXT
as low as 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.99%
TEXT
37 to 60 months
TEXT
as low as 2.14%
TEXT
61 to 72 months
TEXT
as low as 2.74%
TEXT
73 to 84 months
TEXT
as low as 3.29%
Effective May 1, 2021
Length of term

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.49%

Length of term

25 to 36 months

Annual Percentage Rate (APR)**

as low as 1.99%

Length of term

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.14%

Length of term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.74%

Length of term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 3.29%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. 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 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


Free 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.