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Why choose an ECU Auto Loan?
We’ve been serving members for 90 years and can help you find an auto loan that fits your needs! ECU knows choosing the right financing option for your new purchase is an important decision; that’s why we have an auto loan to fit most budgets and lifestyles. Whether you’re looking for something more reliable or buying your dream car, you can’t go wrong with an ECU auto loan.
Features
- Competitive rates – as low as 4.70% APR*!
- Up to 125% financing
- No payments for 60 days
- Selection of flexible terms, extending up to 120 months
- Prequalification Available
- No application fees
- No pre-payment penalties
- Easy process
- 24/7 Online Application
- Electronic signature provides anytime, anywhere access from any mobile device
- GAP Plans and Extended Warranties available
- On-site application at select dealers via our Dealer Direct program
*Important Information: APR refers to Annual Percentage Rate. The annual percentage rate is our best rate. Your rate may be higher depending on credit history, underwriting criteria, loan amount, and region, as applicable. Loan and payment deferral are subject to credit approval. Certain restrictions may apply.
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.
Texas Auto Loan Rates
| Loan Term1 | Collateral Type | APR2 as low as | Payment Example3 |
|---|---|---|---|
| 36 - 120 months | New Auto | 4.690% - 12.240% | $308.17 - $382.82 |
| 36 - 120 months | Used Auto | 4.990% - 12.890% | $310.96- $389.68 |
Rates accurate as of September 28, 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, loan amount, and region, as applicable. 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.
FAQs
- 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!