Auto Loans
**There is a $25.00 application fee and a $50.00 processing fee for all vehicle secured loans.   **Other terms may be available. Rates are subject to change. Please contact ECU at (800) 382-2400 for details**
At ECU we review loan application using our lending philosophy which revolves around looking at more than just a member's credit score; we focus on the story behind the member.  For over 50 years ECU Credit Union has remained true to the basic credit union philosophy of "People Helping People".  

Our auto loan program offers the following benefits:
  • Auto Buying Service with Auto Advisors - Make your next auto buying experience stress free.
  • Competitive rates - Flexible terms based on year of collateral and loan amount.
  • Pre-Approvals - Bargain as if you had cash!
  • Carfax reports - Know the history of the vehicle before you purchase it.
  • Competitive premiums on GAP - (Guaranteed Asset Protection) and MRC (Mechanical Repair Coverage).
  • Payment Protection - Have the security of your loan payments being made in the case of disability or death.

Auto Loan Rates

(Effective As Of June 20, 2017)
​​​With Our “Beat The Rate Program” 
Our Rates Won't Be Beat!
New or Used Our Auto Loan Rates Are The Best!
Age of Auto
# Monthly Payments
Annual Percentage Rate (APR)
New Auto
Up to 84
Varies*
Used Auto
Up to 84
Varies*
* All Rates are quoted as Annual Percentage Rates (APR) and are subject to change.  Other terms may be available, Please contact ECU at 800-382-2400 for current Rates and Terms. 

Fixed rates for new vehicles range between 3.50% APR to 10.00% APR and fixed rates for pre-owned vehicles range between 4.00% APR to 10.00% APR.  The rate you received is determined by amount financed and the term of the loan.