Build some breathing room in your budget
Take advantage of low auto loan refinance rates!

Members Apply

Wouldn’t a smaller car payment be great?

Members2, can refinance their auto loan to reduce their monthly expenses...and breathe easier!

Especially now, everyone could use some financial relief. Thanks to our low rates and no application or funding fees, you can easily refinance your auto loan and reduce your monthly payment.

Terms up to 84 months3. For a limited time, rates as low as 2.98%APR. If you have an ECCU checking account and meet a few other eligibility requirements, that low rate4 could be yours.

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

1. Rates 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 May 2, 2020. 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.

2. ECCU offers auto loans to existing members. If you would like to become a member, we suggest you apply for one of our checking or savings accounts.

3. 84-month terms available to those with 700+ credit score. Maximum Vehicle Age - 7 years; Maximum Mileage - 75,000

4. A .60% rate discount is applied to the applicants approved loan amount and term if the applicant meets the promotion eligibility requirements as stated in the rate discount terms and conditions. Rate discount eligibility requirements: Must be an ECCU member for at least 3 months. Must be 18 years or older. Must have an ECCU checking account that meets one of the following criteria: Direct deposit of $500 or greater for 3 consecutive months or average checking transaction count of 15 or greater per month. Loan amounts refinanced from another financial institution must be $10,000.00 or greater. Automatic monthly loan payment must be set up from ECCU checking account. See complete rate discount terms and conditions here.

† 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.