At Express CU we know that buying a car can be complicated and confusing. We can help save you money and keep your monthly payments affordable.
Qualify for an Express CU auto loan with the lowest possible interest rate
Get a great deal on your car
Use an easy, electronic payment plan at no charge
ECU can finance vehicles 12 years or newer with max 150,000 miles
Get prepared to visit an auto dealer by working with Express CU first!
Speak with an Express loan officer or member service rep today.
Buying a car can be overwhelming. By getting your pre-approval with Express CU prior to the car buying process you’ve taken the first step to success. Express CU partners with the companies below to ensure you’re treated fairly and not pressured, you find the right car for you and at the right price.
Apply to get your pre-approvalAPPLY NOW
Send income verification to loan department - most recent pay stub. After you apply the loan department will ask to verify your income.
When approved, our loan officer will send over a pre-approval letter with details.
You will know how much you are approved for, what your interest rate will be and approximate monthly payment before going to the dealer. When you get to the dealership you can show your pre-approval letter and the dealer will then know what you qualify for. Hopefully they won't try to sell you a car outside of this approval, but if they do, we can advocate for you. This way you don't get into a car that you can't afford and sent to a finance company that charges very high interest rates.
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Dealer may submit your application to us online, if so, we will review and notify dealership of approval and you'd finalize everything at the dealer. If the dealer does not submit an application online, we will ask you to send over a purchase order. We will schedule an appointment to finalize the loan once that is in hand.
Max loan amount $30,000 and max loan to value 90%. Interest rates will depend on credit score and age of the vehicle.
If you're looking for ways to help your kids finance their first vehicle this is a great option. Our experienced loan department can take the time to ensure they understand the process and provide some tips and tricks when going through the buying process.
Also, you can always apply as joint if you have a good credit score to help them get a lower rate. Then they can apply to refinance the loan in their name, alone, after 12 months of established payment history.
At time of refinance request we will verify income and ensure they have capacity on their own to make payments but should have generated a good score to qualify for lower rate on their own.
If you answered YES to any of those questions then you should consider refinancing your auto loan. With a refinance you take out a new loan at Express CU to pay off the outstanding balance at another lender.
SAME RATES AS NEW/USED AUTO LOAN RATES!
Many people finance their autos through a dealer and are happy with the monthly payment. But many don’t realize how much is going to interest each month and the length of time it really takes to pay off the loan.
Express CU loan department will provide quality customer service throughout the entire process. If you are considering refinancing gather the following information before applying so the process will be quick!
1. Car registration
2. Most Recent Pay Stub
3. 10 Day Pay-Off & Pay-Off Address Information
Due to popular demand, we have developed a new loan program for "not quite classic" autos! These are older vehicles between 12-25 years old and have mileage up to 250,000. Now, with Express CU, you can finance your older vehicle and not have to worry about using all your cash to make the purchase or pay a high personal loan rate to purchase the car! Interest rate and amount financed will depend on your credit score and capacity to repay. We will ask that you complete an inspection with a mechanic to identify any major mechanical repairs, we'd hate for you to buy an older used car to have it break down and be a never-ending money pit!
Also, if you already own a car free and clear that fits within the Not Quite Classic auto loan parameters you can apply for a loan and use the title as security for a loan to use for other purposes like pay down other debts, pay for school expense or vacation.