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 motorcycle and auto loans.
BENEFITS
No application fee
Fast, easy application & approval
Same low rates on new or used cars
Purchases or refinances
Pre-qualification for better negotiating
HOW TO GET AN AUTO LOAN
Apply Now >
Or, stop in any of our branches or call a Loan Officer at 800-491-4309.
AUTO & MOTORCYCLES: 2015 – 2020
| Credit Tier | 780+ | 750-779 | 720-749 | 680-719 | 660-679 | 560-659 |
|---|---|---|---|---|---|---|
| 0 to 36 months | 2.25% | 2.50% | 3.00% | 3.25% | 4.75% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 2.50% | 2.75% | 3.25% | 3.50% | 5.00% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 2.75% | 3.00% | 3.50% | 3.75% | 5.50% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 3.25% | 3.50% | 4.00% | 4.25% | 6.50% | Ask about our Smart Choice Lending Program |
| 73 to 84 months | 4.00% | 4.25% | 4.75% | 5.25% | NA | Ask about our Smart Choice Lending Program |
AUTO & MOTORCYCLES: 2011 – 2014
| Credit Tier | 780+ | 750-779 | 720-749 | 680-719 | 660-679 | 560-659 |
|---|---|---|---|---|---|---|
| 0 to 36 months | 2.75% | 3.00% | 3.50% | 4.00% | 5.25% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 3.00% | 3.25% | 3.75% | 4.25% | 5.50% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 3.25% | 3.50% | 4.00% | 4.50% | 6.00% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 3.75% | 4.00% | 4.50% | 5.00% | N/A | Ask about our Smart Choice Lending Program |
AUTO & MOTORCYCLES: 2010 and Older
| Credit Tier | 780+ | 750-779 | 720-749 | 680-719 | 660-679 | 560-659 |
|---|---|---|---|---|---|---|
| 0 to 36 months | 4.25% | 4.50% | 4.75% | 5.25% | 6.50% | 9.75% |
| 37 to 48 months | 4.75% | 5.00% | 5.25% | 5.75% | 7.00% | 10.25% |
Get an Indirect Loan from a Dealer
 |
 |
 |
|---|---|---|
 |
 |
 |
Rates effective 6-10-20
All fees and Annual Percentage Rates (APR) are declared by The Board of Directors of Explorers Credit Union and are subject to change anytime. The APR will vary with the market based on Prime Rate.
