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Auto Loans

We depend on our vehicles – to work, play and to connect with friends and family. That’s why getting good auto financing is so important. You can depend on EFCU for auto loans with flexible terms, competitive rates, and convenient options for your next purchase or refinance.

Purchase Loans

New Vehicles

  • Finance up to 100% of the purchase price
  • Terms up to 84 months

Used Vehicles

  • For vehicles up to five years old, finance up to 100% based on low book value
  • For vehicles older than five years, choose terms up to 72 months
  • Financing for classic vehicles is also available

Already have an application in progress? Check the Status.

Auto Refinancing

Find a better auto loan rate at EFCU and refinance with us! We’re happy to work with you to adjust your terms and lower your payment.

(Loans financed through EFCU not eligible for refinance.)

Already have an application in progress? Check the Status.

Learn how GAP Insurance can give it to you when you need it most.

Thinking about buying your first car? Check out our First-time Car Buyer’s Plan to learn more about how EFCU can help you with a loan!

Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown.

Terms of repayment based on credit approval. Example: Loan of $15,000 at an Annual Percentage Rate (APR) of 2.90% and a term of 60 months. Monthly payment of approximately $268.84, with a total estimated finance charge of $1,131.58.