Routing #: 291480141
Shift into gear with an Auto Loan rate that goes the extra mile!
QUALIFYING RATES AS LOW AS 3.99% APR*
(with 1% rate discount)
1% CASH BACK UP TO $500**
when you finance your 2020 or newer pickup or auto loan with us (1% of the amount of the auto loan)
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 of pickups or autos 2020 or newer!
- 1% Cash Back: *Receive up to 1% of the amount of your auto loan back in cash, up to $500
- Take 1% off or your qualifying rate
- Prequalify for better negotiating power
- Minimum loan amount of $5,000
- Offer valid until June 30, 2025 - don't stall!
Whether you’re upgrading your ride or refinancing from somewhere else, we’ll help you cruise into savings with confidence.
*Rate Discount: APR=Annual Percentage Rate. Rates as low as 3.99% after 1% rate reduction for auto loans 36 months and 2020 or newer auto and pickup loans. Loan promotion does not apply to boats, RVs, or campers. Actual rate and repayment terms you receive are based on your individual credit score and history and may be higher than 3.99% APR. Offer applies for credit scores 650 or higher. Offer ends June 30, 2025. Offer may not be combined with any other offer and applies to new money only from purchases or refinances from other institutions. All offers: Standard credit collateral underwriting guidelines apply. **1% Cash Back: *Receive up to 1% of the amount of your auto loan back in cash, up to $500. Minimum loan amount is $5,000. Cash back will be credited to your Explorers CU Share Savings account within 72 hours after your loan closing date. All offers: Standard credit collateral underwriting guidelines apply. Existing Explorers CU auto loans are not eligible for refinancing under this program. Additional terms and restrictions apply. Rates, terms, and conditions may change or end at any time. Membership eligibility is required. All loans are subject to credit approval.
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: 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.
