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

Auto Loans

For whatever road you choose.

With rates as low as 1.89% APR* for 66-months, now is still a great time to buy or refinance with AmeriCU! If it’s new or just new to you, let our experts help you at every stage of the car-buying experience.

AmeriCU has a full product suite for your needs, from traditional auto loans to lease-like alternative financing options. You can even take advantage of our helpful calculators to see how much car you can afford, determine the value of your current ride, and more.

Apply for your Auto Loan with AmeriCU… and be ready to hit whatever road you choose!

 

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.

    Warranties

    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.

*APR = Annual Percentage Rate. Rates and terms are accurate as of October 4, 2021 and are subject to change without notice. Rates are determined by creditworthiness and underwriting factors at the time of application. A typical new auto loan of $20,000 at 1.89% APR would have 66 monthly payments of $319.30 each month, with total repayment of $21,073.33.  Offer is nontransferable and is not valid on existing AmeriCU loans.

**AmeriCU Insurance Services is affiliated with AmeriCU Credit Union. The purchase of insurance from AmeriCU Insurance Services is not required to obtain credit or other services from AmeriCU Credit Union. Insurance products are not credit union deposits and are not NCUA insured, nor are they obligations of or guaranteed by AmeriCU.