Auto & Vehicle Loans

As low as

5.93% APR*

Auto Loans

Most of us need a car, but we'd rather not have a car payment. Get pre-approved and you'll shop knowing the amount that you are comfortable spending. Drive your dream with easy financing through Energy Capital Credit Union. Our auto loans offer competitive rates and flexible terms, making it easier than ever to drive away in your dream car.

Same day approval and financing
Same day purchase from a dealer or individual
Low loan rates
Up to 100% financing
Direct deposit and autopay are available so you don't have to worry about missing a payment
Same rates available for a new or used auto purchase, or refinancing an existing auto
Skip a loan payment is available twice a year**
Car leasing loan options are also available

Apply Now for an ECCU Auto Loan

Vehcle Loan Options Available At Energy Capital Credit Union

Auto Loan Application

Rate Discounts

Save more when you add on any of these auto extras to your Energy Capital Credit Union auto loan. Each option can reduce your financing rate.*

GAP Coverage to protect from negative equity.
Example: Your car is totaled, but your loan is more than the insurance company values it at. GAP coverage pays the difference so you're not stuck paying for that car.
Extended Warranty for peace of mind from mechanical issues.
Example: A car window motor stops working, or a compressor breaks, or a major engine issue arises. An extended warranty can cover those repairs.
MultiShield to protect from road hazards, like windshield cracks and tire blowouts, and comes with 24/7 roadside protection.
Example: A pothole blows out your tire or damages your wheel. MultiShield covers the replacements and the extra fees such as mounting, balancing, labor and sales tax.
Debt Protection gives peace of mind that you'll make your loan payment, even if something happens to you. This coverage protects your loan against death, disability or involuntary unemployment. Additional coverage can also protect against accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a dependent. This protections could cancel your loan balance or loan payments.

Learn More About These Loan Essentials

Financing Process

Are you ready to get started on your financing journey? Our streamlined process makes it simple. From application to approval, we guide you every step of the way, ensuring a smooth and efficient experience.

Transparency and convenience are what matters when taking out a loan. That's why we offer online applications and quick approvals, so you can spend less time waiting and more time enjoying your new vehicle.

Online applications broken down into 3 easy steps for added convenience.
Quick approvals to get you on the road faster.
Shop and pay at a dealership with an ECCU Premier Check
Search for a new car, check out current car values and get advice for negotiations and more via our Car Buying Center
Personalized guidance throughout the process.

Get Started Today

Insurance Coverage

In addition to financing your vehicle, we can also insure it via Energy Capital Insurance.

Get a free, personalized quote. Work with a single agent that will discuss options and help select the best coverage for you.

Enjoy the same name brand carriers but with the care and customization of your credit union
No obligation, free quote
Bundle multiple policies and save even more

Schedule an Appointment or Get a Free Quote

Other Vehicle Loans Available
Motorcycles, ATVs, Boats, Jet Skis, RV, Travel Trailer, Camper Van

Embark on your next adventure with confidence. Our range of vehicle loans extends beyond autos to include motorcycles, ATVs, boats, jet skis, RVs, travel trailers, and camper vans. No matter your passion or hobbies, we're here to finance your journey.

We understand that every adventure is unique. This is why our experienced loan team works with you to tailor financing solutions that suit your needs. From hitting the trails on an ATV to cruising the open waters on a boat, we've got the right loan for your recreational pursuits.