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Auto Loan Special Offer
Through December 31, 2026, Active and Retired Military Personnel (with Military ID/proof of service) may receive $100* deposited into your ECU account when you finance or refinance from another lender your auto loan greater than $10,000.
*Loan and payment deferral are subject to credit approval. Offer ends December 31, 2026. To be eligible for this offer, you must mention that you’re an active or retired military personnel/provide your military ID at the time of your loan application at ECU locations and/or participating dealerships. If you are applying online, please be sure to note that you are an active or retired military personnel in the comments section. Deposit(s) will be made into appropriate accounts within 30 days of meeting the stated criteria. Loans are subject to credit approval. The borrower must be an active or retired military personnel at the time of loan closing to receive the lender credit or reward. Redemption of this offer is the user’s acknowledgment of responsibility to report this gift for tax purposes. Payments of all federal, state, and local taxes are the sole responsibility of the member.
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.
- Pre-qualification available
- No application fees or pre-payment penalties
- Extended terms up to 120 months* with up to 125% financing*
- Electronic signature provides anytime, anywhere access from any mobile device
- GAP Plans and Extended Warranties available
- On-site application at select dealers via our Indirect Lending program
*Certain restrictions apply. Subject to approval.
Learn More
Indirect Lending — Auto
Receive ECU financing on your new car or truck at select dealerships.
GAP Plans
Get vehicle loan protection for what your auto insurance may not cover if your vehicle is deemed a total loss due to an accident or theft.
Mechanical Repair Coverage
Protect yourself against certain out-of-pocket expenses due to unexpected repairs after the factory warranty has expired.
ECU Loan Guardian
A loan-payment protection option that helps relieve the financial burden of your loan when income may be reduced or lost due to an unexpected event in your life.
Rates
Auto Loan Rates
Rates are subject to change.
| Loan Term1 | Collateral Type | APR2 as Low as | Payment Example3 |
|---|---|---|---|
| 36 - 120 months | New Auto | 4.750% - 12.240% | $308.73 - $382.82 |
| 36 - 120 months | Used Auto | 5.150% - 12.890% | $312.45 - $389.68 |
Rates accurate as of July 10, 2026 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 $20,000 for 75 months. To calculate your estimated payment on other terms, please use our payment calculators.
Calculate Your Answers
Many factors go into determining the final loan amount for the purchase of a new or used vehicle. Factors include manufacturer rebates, trade-in value of your old vehicle less outstanding balance, down payment, etc. Once the loan amount is determined, the interest rate and the loan term are used to estimate your vehicle payment.