Winter roads are no match for a new ride!

Get behind the wheel with rates as low as 3.99% APR

Apply today and start your journey with confidence.

Competitive Interest Rates

Dealerships often mark up interest rates to increase their profits, meaning you could end up paying more over the life of the loan. At Energy Credit Union, we offer low, member focused rates that are often much more competitive. This means lower monthly payments and less total interest paid.

No Hidden Fees or Add-Ons

Dealer financing may come with hidden fees, including add-ons like extended warranties, insurance products, or unnecessary service packages. These can inflate the total loan amount. With Energy Credit Union, you get transparent terms and a clear breakdown of costs, ensuring you only pay for what you need.

Pre-Approval Power

Getting pre-approved for a car loan through Energy Credit Union gives you a stronger negotiating position at the dealership. You’ll know exactly how much you can afford, allowing you to focus on getting the best price for the car rather than worrying about financing terms. In addition, at Energy Credit Union, you can choose to pay for a loan on a weekly, by-weekly or monthly bases.

Flexible Loan Terms

We offer a variety of loan terms for new and used cars designed to fit your budget and financial goals, whether you want lower monthly payments or a quicker payoff. Dealerships may push for longer terms that seem affordable but result in more interest paid over time.

Personalized Service

At Energy Credit Union, we prioritize member satisfaction. Our member service experts are here to guide you through the loan process, ensuring you understand every step. You’ll receive personalized advice to help you make the best decision for your financial future.

Choosing an auto loan from Energy Credit Union means more savings, better service, and peace of mind. Let us help you hit the road with confidence and financial security.

Rates

• (1) Annual Percentage Rate and amount is based on current credit rating. Additional 0.25% discount may be available for new electric/hybrid vehicles.
• New Auto or Motorcycle loans requires 0% down payment or financing up to 100% of NADA or KBB book value. Auto or Motorcycle with 5,000 miles or less are considered New. Loans are subject to credit approval.

• (1) Annual Percentage Rate and amount is based on current credit rating.
• Used Auto or Motorcycle loans require 10% down payment or financing up to 90% of NADA or KBB book value. Auto or Motorcycle with more than 5,000 miles are considered Used. Loans are subject to credit approval.