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Your New Car Awaits

Members Apply

Ready to save on your next Auto Loan?

With ECCU auto loans, members can take advantage of:

  • New car rates starting at 2.74% APR2
  • Terms up to 84 months3
  • No application or funding fee
  • Low rates for low monthly payments - calculate your payment below

Members Apply

Benefits:

  • Low rates: Save on monthly payments by refinancing at a lower rate
  • First payment within 90 days3: Don’t worry about a payment for a few months
  • Apply in only 10 minutes: Easily apply and submit all required documents online
  • Zero fees and no prepayment penalty: No need to worry about extra fees or submitting early payments
  • Terms up to 84 months4: Extend the length of your loan to lower your monthly payments

Rate Discount/Bundle Options:

Want to recieve an additional 0.25% discount on your auto loan rate? Below are three simple ways to qualify.

Note: Only one of the following discounts may be applied

  • AutoPay Discount: Sign up for automatic payments from your ECCU checking account
  • Bundle Discount: Members with an ECCU credit card or personal loan
  • Bundle Discount: Members without an ECCU credit card or personal loan who apply for either and are approved, prior to signing auto loan documentation

Contact us today to learn more about the benefits of refinancing your Auto Loan.

How much can you save? Use this calculator to find out.

Auto Loan Calculator

Enter a total loan amount to estimate your monthly payment or determine your loan amount.

Your estimated monthly payment
$
for a $ loan

FAQs

How long does the application process take?

Completing and submitting your application should take approximately 10-15 minutes.

What can I expect when applying for a used vehicle

  • First, complete your loan application by logging into online banking and select “Apply for an Auto Loan”
  • Once completed, within two business days you will receive decision via email
  • If approved, you may purchase your vehicle from any dealership
  • After selecting your vehicle, you will need to supply ECCU with a copy of your purchase order
  • Lastly, you will sign your loan documents and you’re done!

What can I expect when applying for a refinance?

  • First, complete your loan application by logging into online banking and select “Apply for an Auto Loan”
  • Once completed, within two business days you will receive decision via email
  • If approved, you will be asked to provide copy of the registration and the latest statement
  • Lastly, you will sign your loan documents and you’re done!

Are there any vehicle restrictions?

Vehicles must be 10 years or newer, have less than 125,000 miles, and may not be a commercial vehicle.

Are there FICO score requirements to apply for an auto loan?

You must have a minimum FICO score of 640.

Who is eligible to apply?

To apply, you must be an existing ECCU member, have a Social Security Number or ITIN, and be 18 years or older. If you are not a current member, click here to apply. Applying for membership is quick and easy.

How do I check the status of my application?

To check the status of your application login here. You will be required to provide your last name, email address used on your application, and your social security number.

What do I do if I need to provide additional documentation for my loan request?

To provide additional documentation, login here. You will be required to provide your last name, email address used on your application, and your social security number. When logged in, select the arrow icon and follow the prompts to upload your documents.

1ECCU finances loans nationwide, excluding Pennsylvania.

2Rates published are Annual Percentage Rates. Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount and term. Current APR listed are the rates as of January 12, 2021. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services 800.325.4652.

3. Interest will continue to accrue from when the loan is funded until the first payment date. For example, if you choose to make your first payment 90 days after the loan is funded, the amount of interest that will be collected is from the loan funding date to the date the first payment is made.

4. 84-month terms available to those with 700+ credit score. Maximum Vehicle Age - 10 years; Maximum Mileage - 125,000

The auto loan payment calculator is provided to help you estimate your monthly payment. Results are estimates only and are not guaranteed. The terms and conditions offered by ECCU will differ and may affect the results of the calculator. If you have specific questions regarding your financial situation, please contact your financial advisor.