Loans
{"items":[{"heading":"Home Buying Seminar","startDate":"February 21 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(1)","summary":"February 21, 2019 — 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 12:14am ET","url":"/resources/seminars-events/texas/home-selling-seminar","summary":"February 26, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"March 7 at 11:30am ET","url":"/resources/seminars-events/tennessee/social-security,-medicare,-and-your-retirement","summary":"March 7, 2019 — 11:30AM & 6:00PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"March 7 at 12:00pm ET","url":"/resources/seminars-events/tennessee/construction-seminar","summary":"March 7, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Student Lending Seminar","startDate":"March 12 at 6:00pm ET","url":"/resources/seminars-events/tennessee/student-lending-seminar-(2)","summary":"March 12, 2019 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"March 12 at 6:00pm ET","url":"/resources/seminars-events/virginia/social-security,-medicare,-and-your-retirement","summary":"March 12, 2019 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"March 26 at 12:00pm ET","url":"/resources/seminars-events/texas/home-buying-seminar","summary":"March 26, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"March 26 at 6:00pm ET","url":"/resources/seminars-events/texas/social-security,-medicare,-and-your-retirement","summary":"March 26, 2019 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"March 28 at 6:00pm ET","url":"/resources/seminars-events/tennessee/social-security,-medicare,-and-your-retirement-(1)","summary":"March 28, 2019 — 6PM.
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Importance of Asset Allocation","startDate":"April 4 at 6:00pm ET","url":"/resources/seminars-events/tennessee/importance-of-asset-allocation","summary":"April 4, 2019 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Importance of Asset Allocation","startDate":"April 9 at 6:00pm ET","url":"/resources/seminars-events/virginia/importance-of-asset-allocation","summary":"April 9, 2019 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"April 11 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar","summary":"April 11, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Johnson City, TN","startDate":"April 13 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-johnson-city,-tn","summary":"April 13, 2019 – 8AM-12PM or until trucks reach maximum capacityState of Franklin Branch
255 Marketplace Blvd
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Student Lending Seminar","startDate":"April 16 at 6:00pm ET","url":"/resources/seminars-events/tennessee/student-lending-seminar-(1)","summary":"April 16, 2019 — 6PM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"April 16 at 6:00pm ET","url":"/resources/seminars-events/texas/construction-seminar","summary":"April 16, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Importance of Asset Allocation","startDate":"April 23 at 6:00pm ET","url":"/resources/seminars-events/texas/importance-of-asset-allocation","summary":"April 23, 2019 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Importance of Asset Allocation","startDate":"April 23 at 6:00pm ET","url":"/resources/seminars-events/tennessee/importance-of-asset-allocation-(1)","summary":"April 23, 2019 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Student Lending Seminar","startDate":"April 25 at 6:00pm ET","url":"/resources/seminars-events/tennessee/student-lending-seminar","summary":"April 25, 2019 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Shred Day - Mount Carmel, TN","startDate":"April 27 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-mount-carmel,-tn","summary":"April 27, 2019 – 8AM - 12PM or until trucks reach maximum capacityMt. Carmel Branch
166 W. Main Street
Mt. Carmel, TN 37645","lat":"","lng":""},{"heading":"Shred Day - Bristol, VA","startDate":"May 4 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-bristol,-va","summary":"May 4, 2019 – 8AM - 12PM or until trucks reach maximum capacityLee Highway Branch
16501 Highlands Center Blvd
Bristol, VA 24202","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"May 7 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(2)","summary":"May 7, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Estates and Trusts","startDate":"May 7 at 6:00pm ET","url":"/resources/seminars-events/tennessee/estates-and-trusts","summary":"May 7, 2019 — 6PM
The Press Room at Food City
300 Clinchfield Street
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Estates and Trusts","startDate":"May 14 at 6:00pm ET","url":"/resources/seminars-events/virginia/estates-and-trusts","summary":"May 14, 2019 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Shred Day - Greeneville, TN","startDate":"May 18 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-greeneville,-tn","summary":"May 18, 2019 – 8AM - 12PM or until trucks reach maximum capacityGreeneville Branch
3811 E. Andrew Johnson Hwy
Greeneville, TN 37745","lat":"","lng":""},{"heading":"Estates and Trusts","startDate":"May 21 at 6:00pm ET","url":"/resources/seminars-events/texas/estates-and-trusts","summary":"May 21, 2019 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Estates and Trusts","startDate":"May 21 at 6:00pm ET","url":"/resources/seminars-events/tennessee/estates-and-trusts-(1)","summary":"May 21, 2019 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"July 23 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar-(3)","summary":"July 23, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"August 13 at 12:00pm ET","url":"/resources/seminars-events/tennessee/construction-seminar-(1)","summary":"August 13, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-selling-seminar-(1)","summary":"September 10, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"September 1 at 12:00pm ET","url":"/resources/seminars-events/texas/home-buying-seminar-(1)","summary":"September 10, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Blountville, TN","startDate":"September 14 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-blountville,-tn","summary":"September 14, 2019 – 8AM - 12PM or until trucks reach maximum capacityBlountville Branch
1911 Hwy 394
Blountville, TN 37617 ","lat":"","lng":""},{"heading":"Shred Day - Gray, TN","startDate":"September 28 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-gray,-tn","summary":"September 28, 2019 – 8AM - 12PM or until trucks reach maximum capacityGray Branch
384 Roy Martin Rd
Gray, TN 37615","lat":"","lng":""},{"heading":"Home Buying Seminar","startDate":"October 1 at 12:00pm ET","url":"/resources/seminars-events/tennessee/home-buying-seminar","summary":"October 1, 2019 — 6PM.
Northeast Tennessee Association of Realtors
105 Tri-City Business Park Drive
Johnson City, TN 37615","lat":"","lng":""},{"heading":"Shred Day - Gate City","startDate":"October 5 at 8:00am ET","url":"/resources/seminars-events/virginia/shred-day-gate-city","summary":"October 5, 2019 – 8AM-12PM or until trucks reach maximum capacityGate City Branch
265 Jones St.
Gate City, VA 24251 ","lat":"","lng":""},{"heading":"Social Security Seminar","startDate":"October 8 at 11:30am ET","url":"/resources/seminars-events/tennessee/social-security-seminar","summary":"October 8, 2019 — 11:30AM & 6:00PM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"October 15 at 6:00pm ET","url":"/resources/seminars-events/virginia/social-security,-medicare,-and-your-retirement-(1)","summary":"October 15, 2019 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Construction Seminar","startDate":"October 22 at 12:00pm ET","url":"/resources/seminars-events/texas/construction-seminar-(1)","summary":"October 22, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"October 22 at 6:00pm ET","url":"/resources/seminars-events/tennessee/social-security,-medicare,-and-your-retirement-(2)","summary":"October 22, 2019 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","lat":"","lng":""},{"heading":"Social Security, Medicare, and Your Retirement","startDate":"October 22 at 6:00pm ET","url":"/resources/seminars-events/texas/social-security,-medicare,-and-your-retirement-(1)","summary":"October 22, 2019 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Shred Day - Kingsport, TN","startDate":"October 26 at 8:00am ET","url":"/resources/seminars-events/tennessee/shred-day-kingsport,-tn","summary":"October 26, 2019 – 8AM-12PM or until trucks reach maximum capacityMeadowview Branch
2021 Meadowview Lane
Kingsport, TN 37660 ","lat":"","lng":""},{"heading":"Health Care: Plan for its Cost in Retirement","startDate":"November 7 at 6:00pm ET","url":"/resources/seminars-events/tennessee/health-care-plan-for-its-cost-in-retirement","summary":"November 7, 2019 — 6:00PM
The Crown Center at Food City
1205 N Eastman Road
Kingsport, TN 37660","lat":"","lng":""},{"heading":"Home Selling Seminar","startDate":"November 12 at 12:00pm ET","url":"/resources/seminars-events/texas/home-selling-seminar-(1)","summary":"November 12, 2019 — 6PM.
Staybridge Suites
3409 N Fourth Street
Longview, TX 75605","lat":"","lng":""},{"heading":"Health Care: Plan for its Cost in Retirement","startDate":"November 12 at 6:00pm ET","url":"/resources/seminars-events/virginia/health-care-plan-for-its-cost-in-retirement","summary":"November 12, 2019 — 6PM
The Euclid Center at Food City
1320 Euclid Avenue
Bristol, VA 24201","lat":"","lng":""},{"heading":"Health Care: Plan for its Cost in Retirement","startDate":"November 14 at 6:00pm ET","url":"/resources/seminars-events/texas/health-care-plan-for-its-cost-in-retirement","summary":"November 14, 2019 — 6PM
Hampton Inn
3044 N Eastman Road
Longview, TX 75605","lat":"","lng":""},{"heading":"Health Care: Plan for its Cost in Retirement","startDate":"November 19 at 6:00pm ET","url":"/resources/seminars-events/tennessee/health-care-plan-for-its-cost-in-retirement-(1)","summary":"November 19, 2019 — 6PM
The Depot at Food City
920 N State of Franklin Road
Johnson City, TN 37604","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 Auto3.750% - 10.740%$22.47 - $25.72
36 - 120 months Used Auto4.200% - 11.390%$22.67 - $26.04

Rates accurate as of February 01, 2019 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