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, you can stop in any of our branches, call a Loan Officer at 800-491-4309, or send an email at loans@explorerscu.com.
AUTO & MOTORCYCLES: 2015 – 2020
| Credit Tier | 780+ | 750-779 | 720-749 | 680-719 | 660-679 | 560-659 |
|---|---|---|---|---|---|---|
| 0 to 36 months | 1.99% | 1.99% | 1.99% | 2.99% | 3.99% | Ask about our Smart Choice Lending Program |
| 37 to 48 months | 1.99% | 1.99% | 1.99% | 2.99% | 3.99% | Ask about our Smart Choice Lending Program |
| 49 to 60 months | 1.99% | 1.99% | 1.99% | 2.99% | 3.99% | Ask about our Smart Choice Lending Program |
| 61 to 72 months | 1.99% | 1.99% | 1.99% | 2.99% | 3.99% | Ask about our Smart Choice Lending Program |
| 73 to 84 months | 1.99% | 1.99% | 1.99% | 2.99% | NA | Ask about our Smart Choice Lending Program |
*Annual Percentage Rate. Rates and terms are based on credit score. Offer limited to 2015 or newer auto/motorcycle/camper/boat purchase loans through Explorers CU or to the refinance of said vehicle loans from other lenders. Auto/motorcycle/camper/boat loans currently with Explorers CU are not eligible for offer. To inquire about loans currently financed with Explorers CU, please contact our Loan Department at loans@explorerscu.com or call 800-491-4309 for refinance rates. Minimum loan amount of $5,000 is required. Payment Example: A $25,000 loan at 1.99% APR would have monthly payments of $319.09. Must apply by October 31, 2020. Offer subject to change and termination without notice. Some restrictions apply.
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 8-18-20
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.
