Vehicle Loans

Cruise into powerful savings with every mile you drive.

New Vehicles

Whether it’s your first brand-new vehicle or one of many, taking home a gleaming new car is an experience unlike any other. Rely on the professional loan officers at Excite Credit Union to help get you from here to there.

New vehicle loans include any vehicle with a model year of 2022+ holding less than 20,000 miles. New vehicle financing features include:

  • Exclusive discounts for Excite checking accounts, auto drafting, ≤ 85% LTV ratios, and Electric Vehicles.
  • No payments for 90 days with qualification
  • Refinancing options for certain vehicles
  • Competitive APR* and low-interest rates
  • Stress-free car buying with AutoSmart technology
  • Up to 125% financing from MSRP Kelley Blue Book retail value

Older Vehicles

If your current ride falls someplace beyond the used vehicle limit, never fear! Excite Credit Union’s older vehicle policies are here, and they’re ready to save you money on every mile driven.

Our older vehicle loan options exist for cars that are model years 2009 to 2015, at a 150,000-mile maximum. Take advantage of the competitive savings and flexible term length options, boasting features that include:

  • Terms lengths ranging from 24 to 84 months
  • Zero prepayment penalties
  • No payments for 90 days with qualification
  • Specialty term lengths and programs
  • Up to 115% financing available

Auto Refinance

Save money and set up loan terms to fit your needs by refinancing your current auto loan from another institution with us. Excite Credit Union’s refinance process is quick and easy, with approval in hours not days.

In addition to having more cash in your pocket each month, some benefits of refinancing with us include:

  • No payment for 90-days
  • Special 1% interest rate discount
  • No prepayment penalties
  • Loan terms from 24-84 months

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1st Time Auto Buyer Program

Define your freedom with Excite Credit Union’s 1st Time Auto Buyer Program, a system that prepares you for your first set of wheels and rewards you for it, too. Enjoy the vibe of ownership while getting a first-class auto loan education, followed by superior financing.

Enjoy a host of benefits that include:

  • No credit history necessary
  • New and used vehicles financing
  • Up to 115% of vehicle’s KBB
  • 72-month maximum term lengths

Settle For Only The Best With Excite Credit Union


Make car buying research stress-free with our partners at AutoSMART

  • Easily compare different makes and models
  • Find a list of certified dealers
  • Tips and tools on credit scores, trade-ins and more

Find a car with AutoSMART!

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