Auto Loans at Explorers Credit Union
Whether you’re buying a new or used vehicle, or looking to refinance, we offer various terms and rates that fit your lifestyle. We are eager to help, and you’ll appreciate the savings and swiftness.
Explore the rates and features of our auto loans.
BENEFITS
No application fee
Fast, easy application & approval
Purchases or refinances
Pre-qualification for better negotiating
HOW TO GET AN AUTO LOAN
Apply Now >
Or, you can stop in any of our branches, call a Loan Officer at 800-491-4309, or send an email at loans@explorerscu.com.
AUTOS: 2019 – 2024
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 6.49% | 6.99% | 8.99% | 11.24% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 6.74% | 7.24% | 9.24% | 11.49% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 6.99% | 7.49% | 9.49% | 11.99% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 7.49% | 7.99% | 9.99% | 12.99% | Ask about our Smart Choice Lending Program |
| 73 to 84 months *2019 or newer | 8.24% | 8.74% | 10.99% | NA | Ask about our Smart Choice Lending Program |
AUTOS: 2013 – 2018
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 7.49% | 7.99% | 9.99% | 12.24% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 7.74% | 8.24% | 10.24% | 12.49% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 7.99% | 8.49% | 10.49% | 12.99% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 8.49% | 8.99% | 10.99% | NA | Ask about our Smart Choice Lending Program |
AUTOS: 2012 and Older
| Credit Tier | 750+ | 700-749 | 675-699 | 650-674 | 560-649 |
|---|---|---|---|---|---|
| 0 to 36 months | 9.49% | 9.74% | 10.99% | 12.99% | 15.99% |
| 37 to 48 months | 9.99% | 10.24% | 11.49% | 13.49% | 16.74% |
Rates effective 1/5/2024
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 6.49% annual percentage rate (APR) for a 36-month term with 0% down, monthly payments are calculated at approximately $30.65 per $1,000.00 borrowed.
