Routing #: 291480141
Better Rates • Bigger Savings • Boundless Adventures
No Application Fees: Keep More money in your pocket.
Fast, Easy Approvals: Get on the road faster.
Finance or Refinance: Upgrade your ride or lower your payments.
Pre-Qualify Today: For stronger bargaining power at the dealership.
Adventure Awaits - Drive it Your Way!
Let's Get Rolling!
Why settle for just any ride when you can steer your adventure with confidence? With auto loan rates as low as 4.99% APR, you’re in the driver’s seat for big savings and even bigger possibilities. Get pre-approved today and head to the dealership with the power to negotiate like a pro—no detours, no roadblocks, just smooth sailing to your dream car.
The journey starts now—apply online today and let’s get rolling! 🚗💨
Additional Questions?
Whether you’re buying a new or used vehicle, or looking to refinance, we offer various terms and rates that fit your lifestyle. Simply stop in any of our branches to visit with one of our loan officers or apply online whenever it is convenient for you!
AUTOS: 2020-2025
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 4.99% | 5.49% | 7.49% | 9.74% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 5.24% | 5.74% | 7.74% | 9.99% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 5.49% | 5.99% | 7.99% | 10.49% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 5.99% | 6.49% | 8.49% | 11.49% | Ask about our Smart Choice Lending Program |
| 73 to 84 months *2021 or newer | 6.74% | 7.24% | 9.49% | NA | Ask about our Smart Choice Lending Program |
AUTOS: 2014-2019
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 5.99% | 6.49% | 8.49% | 10.74% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 6.24% | 6.74% | 8.74% | 10.99% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 6.49% | 6.99% | 8.99% | 11.49% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 6.99% | 7.49% | 9.49% | N/A | Ask about our Smart Choice Lending Program |
AUTOS: 2013 And Older
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 7.99% | 8.24% | 9.49% | 11.49% | 14.49% |
| 37 to 48 months | 8.49% | 8.74% | 9.99% | 11.99% | 15.24% |
Rates effective 01/01/2025
All fees and Annual Percentage Rates (APR) are declared by The Board of Directors of Explorers Credit Union and are subject to change anytime without notice.
Explorers Federal Credit Union offers a tiered-pricing program. Your individual rate will be determined by the type and/or age or collateral offered, length of the loan, and your credit history.
Loan Payment Example: At 4.99% annual percentage rate (APR) for a 36-month term with 0% down, monthly payments are calculated at approximately $29.97 per $1,000.00 borrowed.
