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-qualification available
  • 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
  • GAP Plans and Extended Warranties 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-qualified, 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.

  • 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.

36 - 120 months New Auto6.150% - 12.740%$23.56 - $26.70
36 - 120 months Used Auto6.350% -13.390%$23.65 - $27.03

Rates accurate as of November 1, 2023 and are subject to change.

1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction 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  and loan amount. 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


  • 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