Routing #: 291480141
Whether your looking for a New or Used Vehicle, Explorers will help you shift into gear with an Auto Loan that goes the extra mile!
Buckle Up for BIG Auto Loan Savings!
Feel that? It’s the freedom of summer—and the sweet
feeling of a better auto loan.
For a limited time, Explorers Credit Union is making your next auto loan even more rewarding. Whether you’re buying new, upgrading, or refinancing from another lender, this is your chance to save big.
- No application fee
- Fast, easy application & approval
- Perfect for purchases or refinances!
- Prequalify for better negotiating power
Whether you’re upgrading your ride or refinancing from somewhere else, we’ll help you cruise into savings with confidence.
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!
Other Auto Rate Options:
AUTOS: 2021-2026
| Credit Tier | 0 to 36 months | 37 to 48 months | 49 to 60 months | 61 to 72 months | 73-84 months *2022 or newer |
|---|---|---|---|---|---|
| 750+ | 3.99% | 4.24% | 4.49% | 4.99% | 5.74% |
| 700-749 | 4.99% | 5.24% | 5.49% | 5.99% | 6.74% |
| 675-699 | 6.99% | 7.24% | 7.49% | 7.99% | 8.99% |
| 650-674 | 9.24% | 9.49% | 9.99% | 10.99% | N/A |
| 560-649 | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program |
AUTOS: 2015-2020
| Credit Tier | 0 to 36 months | 37 to 48 months | 49 to 60 months | 61 to 72 months |
|---|---|---|---|---|
| 750+ | 4.99% | 5.24% | 5.49% | 5.99% |
| 700-749 | 5.99% | 6.24% | 6.49% | 6.99% |
| 675-699 | 7.99% | 8.24% | 8.49% | 8.99% |
| 650-674 | 10.24% | 10.49% | 10.99% | N/A |
| 560-649 | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program | Ask about our Smart Choice Lending Program |
AUTOS: 2014 And Older
| Credit Tier | 0 to 36 months | 37 to 48 months |
|---|---|---|
| 750+ | 6.99% | 7.49% |
| 700-749 | 7.74% | 8.24% |
| 675-699 | 8.99% | 9.49% |
| 650-674 | 10.99% | 11.49% |
| 560-649 | 13.99% | 14.74% |
Rates effective 01/01/2026
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 3.99% annual percentage rate (APR) for a 36-month term with 0% down, monthly payments are calculated at approximately $29.53 per $1,000.00 borrowed.
