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Auto Loans

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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.

*Certain restrictions apply. Subject to approval.

Ready to buy a new car?

Finance your auto loan with ECU and you'll be behind the wheel on no time!

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Dealer Direct Program

Get your ECU Auto Loan without ever leaving the dealership!

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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.

woman with broken down car

Mechanical Repair Coverage

Protect yourself against certain out-of-pocket expenses due to unexpected repairs after the factory warranty has expired.


Auto Loan Rates

Rates are subject to change.

Loan Term1 Collateral Type APR2 as Low as Payment Example3
36 - 120 months New Auto 6.150% - 12.740% $321.90 - $388.18
36 - 120 months Used Auto 6.350% - 13.390% $323.80 - $395.10

Rates accurate as of May 1, 2024 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.

View All Auto Calculators


  • Picture I.D. with current address
  • Vehicle Identification Number or dealer worksheet
  • ECU may require your last two pay stubs (or last two tax returns if self-employed or retired)
  • If refinancing from another lending source, a 20-day payoff

Yes! Get pre-approved for your ECU loan before you start shopping. Once you’ve been pre-approved, choose your vehicle, negotiate your deal, and let us know the purchase amount. ECU will need a dealer worksheet when finalizing the loan. Once complete, just write a personal check or pick up a check at ECU and drive away in your new vehicle!

Get Pre-Approved