Finding, financing, and insuring your vehicle doesn’t have to be complicated. ECCU offers competitively low rates and local service from experts who care about you. Financing should be transparent, and managing your payments should be convenient.
After 92 years of prioritizing exceptional member service, we’ve streamlined our process to be simple and affordable. Take advantage of all of the following ways that financing with ECCUU makes it easier to get on the road quickly.
Your Roadmap to Smarter Auto Financing
Auto Loan Financing Steps:
- Get Pre-approved
- Browse Vehicle Options Online
- Find Low Rates and Promotions
- Get Answers from Local Experts
- Bundle with Insurance
- Manage Payments with Online Banking
- Consider Refinancing Options
Get Pre-Approved Before You Shop
Applying for auto loan pre-approval online is quick, simple, and can make your car-buying experience much easier.
How It Works
1. Apply Online
Complete our easy online application in minutes.
2. Receive Your Premier Check
Once approved, you’ll receive an ECCU Premier Check by mail or at your local branch.
3. Shop With Confidence
Take your Premier Check to any franchised dealership and purchase the vehicle that fits your needs.
Why Get Pre-Approved?
With an ECCU Premier Check, you may qualify for up to 100% financing before visiting the dealership.
That means you can:
- Know your budget ahead of time
- Focus on negotiating the vehicle price
- Shop with more confidence and control
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Start Shopping!
Browse Vehicles Online
Car shopping can feel overwhelming , but it doesn’t have to be.
With the ECCU Auto Buying Center, you can browse vehicles from a large network of trusted dealerships without leaving your home. Easily search and compare options to find a vehicle that fits your needs and budget.
Filter by:
- Make & model
- Price & mileage
- New or used
- Body style & color
- Drivetrain, fuel type, transmission, and more
Not sure what you’re looking for yet? Browse the full inventory, save your favorites, and shop at your own pace.
Affordable Financing Built Around You
As an ECCU member, you get access to competitive rates and flexible financing designed with your financial goals in mind, not profits.
Finance your next vehicle with rates as low as 5.00% APR* and enjoy 90 days with no payments* to give your budget extra breathing room.
While dealership offers may look appealing upfront, it’s important to look at the full picture. At ECCU, we focus on transparent financing, manageable payments, and long-term value.
And if rates drop later? You may have the option to refinance and save even more.
Local Service From Experts Who Care
Loan Consultants have the expertise to help you understand your options with the care and patience you deserve. But don’t take our word for it–hear from our members!
“I have been looking to refinance my vehicle for a very long time. A very stressful situation was made extremely easy and straightforward by Jose Ayala, team member for Energy Capital Credit Union.” -Jose H.
“We’ve worked with Glenn Roden on three different loans now, and every single experience has been exceptional. He consistently goes above and beyond, always treating us with the utmost respect and professionalism. Glenn’s positive attitude, clear communication, and dedication make the process smooth and stress-free every time. He truly cares about his clients and takes the time to explain every detail, making sure we feel confident and informed. It’s rare to find someone so reliable, honest, and genuinely committed to excellent customer service.” -Isabel G.
We’ve helped happy members like these and so many more to start driving with manageable payments that they understand. Transparency is important to us because helping members move forward with confidence is our top priority. Contact a loan officer today or get additional tailored support from any of our Certified Credit Union Financial Counselors by setting up a FREE meeting.
Bundle and Save
Getting the right auto insurance is just as important as finding the right vehicle. At ECCU, you can access trusted coverage options with personalized local service, without spending hours on hold with a call center.
Our team is here to help you find protection that fits your needs and your budget, with free personalized estimates and no obligation.
You may also qualify for additional savings on your auto loan when you add eligible protection options, including:
- GAP Coverage
- Extended Warranty
- Payment Protection
- Omni+ Protection
💡 Adding select protection products may qualify you for rate discounts while helping protect your vehicle and finances long-term.
Manage Payments With Ease
With ECCU Online & Mobile Banking, managing your auto loan is simple, convenient, and designed to fit your lifestyle.
You can:
- Set up direct deposit
- Enroll in automatic payments
- Monitor your loan anytime, anywhere
- Manage payments from your mobile device
- Access Skip-A-Payment* options twice per year through the mobile app
Stay on top of your payments and take control of your financial journey with tools designed to make banking easier.
Get Preapproved Today!
Finance your next vehicle with a financial partner you can trust for life. Everything you’ll need throughout your financial journey is available all in one place, with the care and attention you deserve. There may be good opportunities to adjust your loan over time. If rates drop or your credit has improved, you have the option to refinance your loan to either lower the payments or the term. Get in contact with us today to get started!
APR = Annual Percentage Rates. Rates are subject to change without notice. APR is accurate as of the last declaration date. Not an offer to lend. Subject to credit and underwriting guidelines. Lowest rate of 5.00% APR for up to 48 months is $22.57 per $1,000 borrowed. Actual rate and term may vary based on credit qualifications and other factors. We do business in accordance with the Equal Housing Lender.
*Rate Discounts: Rate discounts are available when members choose certain products and services. Eligible discounts include: 0.25% for Vehicle Service Contract (VSC); 0.25% for Omni Protect; 0.15% for automatic payments or an ECCU checking account; 0.25% for Credit Protection; and 0.10% for GAP coverage. Discounts may be combined up to a maximum total of 1.00%. Maximum term extension is 9 months.
*To be eligible for the Skip-A-Pay Loan program, please note the following criteria: A loan grace period of 15 days is applicable. The loan account must have been opened for a minimum of 180 days. Only one skip is allowed per loan every six months. A maximum of two skips is permitted per calendar year. Over the life of the loan, up to eight skips are allowed. Lease loans are excluded from the Skip-A-Pay program.
