Auto Loans from AmeriCU Credit Union - Easy to apply. Quick decisions.

Auto Loans

Auto Loans from AmeriCU

Whether you’re deciding between buying a new vehicle or refinancing your current ride, AmeriCU is here to help!  We provide you with insights and knowledge so you can make the right financial decision.

It pays to get pre-qualified at AmeriCU before shopping for your next ride! Knowing your rate will help you know how much you can afford, and AmeriCU has great rates, low fees, and friendly, local staff who can help prepare you for the driver’s seat!

Buying a Vehicle

Buying a Vehicle

Take the stress out of shopping for a vehicle and browse anytime, from anywhere! We are here to help you get prepared before ever stepping into the dealership. Shop for a vehicle.

An Alternative to Leasing

An Alternative to Leasing

AmeriCU’s PaySaver Auto Loan offers payments that are considerably lower than conventional financing. But unlike a lease, you own the vehicle and have all of the flexibility and benefits of vehicle ownership! Learn more about a PaySaver Auto Loan.

Refinancing a Vehicle

Refinancing a Vehicle

Could you save money each month by refinancing your vehicle loan?  See how much you could save by refinancing your vehicle with AmeriCU! Apply for an auto refinance.

Auto Loans

Whether you’re buying a brand new or new-to-you vehicle, AmeriCU has the right loan for you!

Auto Loans

All model years.

  • Minimum loan amount $5,000 for terms up to 72 months
  • Minimum loan amount $40,000 for term of 84 months
  • Loan terms based on credit score, amount financed and model year
  • Credit Life & Disability insurance available (subject to eligibility)

View current auto loan rates

Insurance Coverage Available

Shop for a Vehicle

Auto Loan Resource Center

  • Step 1: Getting Prepared

    AmeriCU Offers Pre-Approval

    AmeriCU may be able to pre-approve you for your next vehicle! Pre-Approval means we are prepared to finance your vehicle before you ever step into a dealership. While we may not able to pre-approve everyone, it does not mean we can’t help you find other options. Click here to see if you qualify for pre-approval.

    What Payment Works Best for You?

    Knowing what payment works best in your financial situation can be challenging, but it doesn’t need to be. We have provided tools to help you get prepared for your next vehicle purchase.

    Click here for calculators to compare monthly payment by term, or compare two vehicle loans.

  • Step 2: Shopping for a Vehicle

    Let AmeriCU Help Find You the Right Vehicle

    We believe the vehicle buying process should be easier and less stressful. That’s why we have made it simple to search for the right vehicle that fits your needs. Shop for a vehicle.


  • Step 3: Financing

    Let us Handle the Paperwork

    Our online application makes it quick and easy to apply for an auto loan. If you would rather apply over the phone or in person we have got you covered there too. When you finance through AmeriCU, we take care of the paperwork, you do the test drive.

    Simply submit an application online, call 800.388.2000 or find a Financial Center.


    Research Extended warranties to see if it fits your needs and your budget. Keep in mind; depending on year of the vehicle, there may be a valid manufacturer’s warranty.

  • Step 4: Closing the Deal

    Now it’s time to enjoy your new vehicle! We are thrilled to have been a part of this exciting purchase and we hope you choose us again for your next purchase.

At AmeriCU, we are here to help you with every step of the auto buying process. We also offer a short auto loan course should you wish to learn more. This course covers the following information:

  • Financing options
  • Fixed and variable interest rates
  • Monthly payment calculations

Take our short auto loans course.

Insurance Coverage Available

More from AmeriCU

Auto Insurance

AmeriCU Insurance Services provides coverage on not only autos, but trucks, SUVs, snowmobiles, boats, RVs and ATVs. Learn more about vehicle insurance.

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Financial Wellness

You face important financial decisions every day. Give yourself the tools you need to be prepared! Learn more about financial wellness.

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Questions? Contact Us!

Our Member Service Center is available at 800.388.2000 – 24 hours a day, 7 days a week – to help you with whatever you need. Or visit our Contact page.