Auto Loans
Auto Loans
Auto Loans
Unlock Your Dream Ride: Loans for New, Used and Older Vehicles
At Excite Credit Union, we understand that your vehicle is more than just a mode of transportation—it’s a reflection of your lifestyle and aspirations. Whether you’re eyeing the latest model or a reliable pre-owned vehicle, our new and used auto loans are designed to help you hit the road with confidence. With competitive rates, flexible terms, and personalized service, we make financing your next car simple and straightforward. Explore our range of financing options and take the first step towards driving your dream vehicle today.
No Payment for 90 Days
No payments for the first 90 days1
Flexible Terms
Terms up to 84 months.
No Prepayment Penalties
No penalty for paying off your loan early.
Our great rates help you pay less!
New Vehicle Rates
New vehicles are model year 2023 or newer with less than 20,000 miles.
| Min. Loan Amt. | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 5.25%* |
| $5,000 | 49 - 60 months | 6.00%* |
| $15,000 | 61 - 72 months | 6.50%* |
| $20,000 | 73 - 84 months | 6.75%* |
Used Vehicles Rates
Used vehicles are model year 2017 to 2022. Model year 2023 with more than 20,000 miles; 150,000 mile maximum.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 6.00%* |
| $5,000 | 49 - 60 months | 6.25%* |
| $15,000 | 61 - 72 months | 6.75%* |
| $20,000 | 73 - 84 months | 7.00%* |
Older Vehicles Rates
Older vehicles are model years 2010 to 2016; 150,000 mile maximum.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 48 months | 7.50%* |
| $5,000 | 60 months | 7.75%* |
| $5,000 | 72 months | 8.25%* |
| $5,000 | 84 months | 8.50%* |
*Rate reflects a max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
Estimate Your Car Payments
Auto Refinance Calculator
Fast Fair Approvals
Step
1 |
Apply Online Quick and easy online auto loan application. |
Step
2 |
Sign Your Paperwork Agree to the car loan amount, rates, and terms. |
Step
3 |
Get a Check Use your check to buy your new car. |
Complete the form below to get started:
Auto Protection
Looking to protect your investment? We got you, with GAP, mechanical breakdown and additional insurance through TruStage. Learn more here.
I've been a member here since May 2015, and gosh has this been an amazing financial establishment! I received an amazing interest rate on my jeep loan, plus this credit union helped me during hurricane Florence! I always recommend friends and family here!
Luis R.
Auto Loan FAQs
The amount you can borrow depends on your credit score, income, and the car’s value. We’ll help you figure out the right amount.
The following components are a few of the factors that help determine your auto loan’s interest rate:
- Your credit score
- Your debt-to-income ratio
- The age of the car (new vs used)
- The amount and term (how long you will take to pay off) of the loan
For our interest rates, see the chart above.
Refinancing can save you money by lowering your interest rate or monthly payment. It can also help if you want to change the length of your loan or if your credit score has improved since you first got the loan.
Disclosure
2 Existing Excite loans are excluded from this offer. Auto refinance loan must be at least $5,000. Vehicle must be 2010 or newer. The 1% APR rate reduction is subject to qualified borrowers and collateral approval. Rate cannot go below our floor rate of 5.25% APR. A reduction in your monthly payment will be based on a number of factors, including: your current interest rate and term of payment vs. the interest rate and term offered by Excite. Please note that refinancing may increase the total number of monthly payments and/or the total amount paid when compared to your current situation. Although your refinanced monthly payment may be lower, you should carefully consider the amount of any costs associated with refinancing such as any state taxes and titling fees as well as the potential increase in interest charges you may pay and the additional years needed to pay off your loan by refinancing. Also consider whether refinancing may terminate any ancillary products included in the loan you are refinancing such as GAP insurance/waivers. Requests to cancel a loan will be processed as a loan payoff and require the outstanding loan balance to be paid in full including any accrued fees and interest. This offer is subject to all Excite Credit Union loan policies and is subject to credit approval. Certain restrictions apply.