CLOSE SMART SEARCH LOCATIONS CONTACT ECU ONLINE UPDATE PERSONAL INFO CLOSE MENU RATESFAQSRESOURCES Auto Loans Get the Car You Want Today, with No Payments for 90 Days! LOANS Personal Banking Loans Mortgage Loans RV & Powersport Loans Student Loans Personal Loans Equipment Loans Auto Loans Skip A Payment Program ECU Loan Guardian Investments & Services Business Services Are you in the market for a new or used auto loan? ECU knows choosing the right financing option for your new purchase is an important decision and that’s why we have an auto loan to fit most budgets and lifestyles. With our competitive rates, easy process and selection of financing options, you can’t go wrong with an ECU auto loan. Great low rates Pre-qualification available Affordable payments Easy process No application fees No pre-payment penalties Extended terms up to 120 months* Up to 125% financing* 24/7 financing via web or phone Electronic signature technology provides anytime, anywhere access from any smart mobile device 90-day payment deferral* GAP Plans and Extended Warranties available On-site application at select dealers via our Dealer Direct program. *Certain restrictions apply. Subject to approval. LEARN MORE: Apply Now for an Auto Loan Whether you're ready to drive your new vehicle home or need to get pre-qualified, ECU can help. Dealer Direct Program Discover the convenience of receiving ECU financing right at the dealership! Skip a Payment ECU encourages members to make responsible financial decisions, but sometimes life is full of surprises. ECUCars.com Eliminate the stress and hassle of finding a new or used vehicle using ECU's Auto Locator Service. ECU Loan Guardian Do you worry about unexpected life events that could leave you struggling to pay your bills? Auto Loan Rates Rates are subject to change. Any loan application submitted after 5:30 p.m. (Eastern) will use the rate for the next business day. LOAN TERM 1 COLLATERAL TYPE APR AS LOW AS 2 PAYMENT EXAMPLE3 36 - 120 months New Auto 2.050% - 9.040% $21.72 - $24.91 36 - 120 months Used Auto 2.050% - 9.690% $21.72 - $25.22 Rates accurate as of November 1, 2021 and are subject to change. 1The loan terms, rates and payments listed above are examples used to illustrate possible credit transactions. The terms of your credit transaction will be determined by factors such as loan history, underwriting criteria, loan amount and loan to value. 2APR refers to Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply. 3Payment example is based on $1,000 for 48 months. To calculate your estimated payment on other terms, please use our payment calculator. HAVE QUESTIONS? Calculate Your Answers Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment. AUTO CALCULATORS FAQs What do I need to apply for a loan? Can I get pre-approved? Resources for Life SEE ALL RESOURCES Shop Safe Online MORE What's a Rainy Day Fund? Being prepared for unexpected expenses is vital to financial freedom! MORE GreenPath Resource: Money Matters for Kids Ways to teach financial responsibility, no matter what age your children are. MORE Eastman Credit Union 2021 Meadowview Lane Kingsport, Tennessee 37660 Phone: 800.999.2328 JOIN TODAY ABOUT About ECU ATMs & Branches Careers News & Events Newsletter SERVICES Loans Personal Banking Investments & Retirement Business Banking ECU Title & Escrow RESOURCES Rates Educational Resources Calculators Report Lost/Stolen Card Routing/Transit Number: 264279350 © 2021 Eastman Credit Union. All rights reserved. Privacy Policy | Online Privacy Notice | CA Privacy Policy | Other ECU Policies | Web Accessibility Statement This Credit Union is federally insured by NCUA.