Loans
{"items":[{"heading":"Home Selling Seminar","startDate":"February 26 at 2:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar-(1)","summary":"October 23, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"February 26 at 2:32pm ET","url":"/resources/seminars-events/texas/home-selling-seminar-(1)","summary":"November 13, 2018 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"February 26 at 2:41pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"November 13, 2018 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Identity Theft & Fraud Seminar","startDate":"October 23 at 11:30am ET","url":"/resources/seminars-events/tennessee/identity-theft-fraud-seminar-(1)","summary":"October 23, 2018 — 11:30am - 1pm.
Food City - Crown Center
Kingsport, TN ","lat":"","lng":""},{"heading":"Credit Report Seminar","startDate":"October 23 at 6:30pm ET","url":"/resources/seminars-events/tennessee/credit-report-seminar-(1)","summary":"October 23, 2018 — 6pm - 7:30pm
The Depot at Food City
Johnson City, TN","lat":"","lng":""},{"heading":"Identity Theft & Fraud Seminar","startDate":"October 24 at 11:30am ET","url":"/resources/seminars-events/virginia/identity-theft-fraud-seminar","summary":"October 24, 2018 — 11:30am - 1pm.
Food City - Euclid Center
Bristol, VA ","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 25 at 6:00pm ET","url":"/resources/seminars-events/virginia/social-security-seminar-(1)","summary":"October 25, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 25 at 6:00pm ET","url":"/resources/seminars-events/texas/social-security-seminar-(1)","summary":"October 25, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 1 at 11:30am ET","url":"/resources/seminars-events/tennessee/retirement-seminar","summary":"November 1, 2018 — 11:30AM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 1 at 6:00pm ET","url":"/resources/seminars-events/tennessee/retirement-seminar-(1)","summary":"November 1, 2018 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Credit Report Seminar","startDate":"November 6 at 11:30am ET","url":"/resources/seminars-events/tennessee/credit-report-seminar-(2)","summary":"November 6, 2018 — 11:30am - 1pm
The Depot at Food City
Johnson City, TN","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 6 at 6:00pm ET","url":"/resources/seminars-events/tennessee/retirement-seminar-(2)","summary":"November 6, 2018 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Identity Theft & Fraud Seminar","startDate":"November 13 at 6:00pm ET","url":"/resources/seminars-events/virginia/identity-theft-fraud-seminar-(1)","summary":"November 13, 2018 — 6pm - 7:30pm.
Food City - Euclid Center
Bristol, VA ","lat":"","lng":""},{"heading":"Identity Theft & Fraud Seminar","startDate":"November 15 at 11:00am ET","url":"/resources/seminars-events/tennessee/identity-theft-fraud-seminar-(2)","summary":"November 15, 2018 — 11:30am - 1:30pm and 6pm - 7:30pm.
Depot at Food City
Johnson City, TN ","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/retirement-seminar","summary":"November 15, 2018 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Retirement Seminar","startDate":"November 15 at 6:00pm ET","url":"/resources/seminars-events/texas/retirement-seminar","summary":"November 15, 2018 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""}]}

Features

Are you in the market for a new or used auto loan? ECU knows choosing the right financing option for your new purchase is an important decision and that’s why we have an auto loan to fit most budgets and lifestyles.

With our competitive rates, easy process and selection of financing options, you can’t go wrong with an ECU auto loan.
 

  • Great, low rates
  • Pre-approval available
  • Affordable payments
  • Easy process
  • No application fees
  • No pre-payment penalties
  • Extended terms up to 120 months*
  • Up to 125% financing*
  • 24/7 financing via web or phone
  • Electronic signature technology provides anytime, anywhere access from any smart mobile device
  • 90-day payment deferral*
  • GAP Plans and Vehicle Service Agreements available
  • On-site application at select dealers via our Dealer Direct program.

*Certain restrictions apply.  Subject to approval.  

Learn More:

  • Apply Now for an Auto Loan

    Whether you're ready to drive your new vehicle home or need to get pre-approved, ECU can help.

  • Dealer Direct Program

    Discover the convenience of receiving ECU financing right at the dealership!

  • Skip a Payment

    ECU encourages members to make responsible financial decisions, but sometimes life is full of surprises.

  • ECUCars.com

    Eliminate the stress and hassle of finding a new or used vehicle using ECU's Auto Locator Service.

  • ECU Loan Guardian

    Do you worry about unexpected life events that could leave you struggling to pay your bills?

Auto Loan Rates

Rates are subject to change.  Any loan application submitted after 5:30 p.m. (Eastern) will use the rate for the next business day.

LOAN TERM 1COLLATERAL TYPEAPR as low as 2PAYMENT EXAMPLE3
36 - 120 months New Auto3.500% - 10.490%$22.36 - $25.60
36 - 120 months Used Auto3.950% - 11.140%$22.56 - $25.92

Rates accurate as of October 01, 2018 and are subject to change.

1The Loan Term listed is the minimum and maximum offered by ECU.  Your loan term will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value.

2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria, loan amount and loan to value. Certain restrictions may apply.

3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator.

Have Questions?

Calculate Your Answers


Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

Auto Calculators

FAQs

  • What do I need to apply for a loan?
    • Picture I.D. with current address
    • Vehicle Identification Number or dealer work sheet
    • Last two pay stubs (or last two tax returns if self-employed or retired)
    • If refinancing from another lending source, a ten-day payoff
  • Can I get pre-approved?

    With ECU’s pre-approval program, you know you are approved for your loan before you ever make your purchase.  An ECU loan representative can determine a loan amount that is just right for you and your budget.  You can then choose your new auto or recreational vehicle, negotiate your deal and contact ECU with the amount of your purchase.  You can then write a personal check or pick up a check at ECU and take your new vehicle home.  It’s that easy!

    Get Pre-Approved Now