When it comes to your auto loan, don't let the dealership take you for a ride. Many people end up paying high interest rates due to the financing that the dealership helped them get. At Express CU, we strive to offer you low interest rates so that you can pay off that auto loan faster with more money in your pocket.
If you've already financed your auto loan at the dealership or with the finance company they suggested, don't worry. It's not too late! You can still get the low rates, reasonable terms, and excellent customer service that you deserve by refinancing with Express CU!
Low auto loan rates! Rate as low as 2.99% APR*
Refinance your auto loan up to 130% LTV** - If you owe more than your car is worth we still may be able help!
90 days until your first payment†
Affordable monthly payments, in turn saving you $$$!!!
When it comes to your finances, don't let the dealership sit in the driver's seat. Take control of the wheel, drive down your monthly payment with Express CU.
*APR=Annual Percentage Rate. **LTV=Loan-To-Value. A loan-to-value ratio (LTV) is the total dollar value of your loan divided by the actual cash value (ACV) of your vehicle. It is usually expressed as a percentage. Your down payment reduces the loan to value ratio of your loan. †Average monthly savings based on approved interest rate and current monthly payment. No payment for 90 days is based on individual creditworthiness and approved credit. All loans are subject to credit approval. Other restrictions apply. See credit union for details. Federally insured by NCUA.
At Express CU we know that buying a car can be complicated and confusing. We can help save you money and keep your monthly payments affordable.
Qualify for an Express CU auto loan with the lowest possible interest rate
Get a great deal on your car
Use an easy, electronic payment plan at no charge
ECU can finance vehicles 12 years or newer with max 150,000 miles
Get prepared to visit an auto dealer by working with Express CU first!
Speak with an Express loan officer or member service rep today.
Buying a car can be overwhelming. By getting your pre-approval with Express CU prior to the car buying process you’ve taken the first step to success. Express CU partners with the companies below to ensure you’re treated fairly and not pressured, you find the right car for you and at the right price.
If you answered YES to any of those questions then you should consider refinancing your auto loan. With a refinance you take out a new loan at Express CU to pay off the outstanding balance at another lender.
SAME RATES AS NEW/USED AUTO LOAN RATES!
Many people finance their autos through a dealer and are happy with the monthly payment. But many don’t realize how much is going to interest each month and the length of time it really takes to pay off the loan.
Express CU loan department will provide quality customer service throughout the entire process. If you are considering refinancing gather the following information before applying so the process will be quick!
1. Car registration
2. Most Recent Pay Stub
3. 10 Day Pay-Off & Pay-Off Address Information
Due to popular demand, we have developed a new loan program for "not quite classic" autos! These are older vehicles between 12-25 years old and have mileage up to 250,000. Now, with Express CU, you can finance your older vehicle and not have to worry about using all your cash to make the purchase or pay a high personal loan rate to purchase the car! Interest rate and amount financed will depend on your credit score and capacity to repay. We will ask that you complete an inspection with a mechanic to identify any major mechanical repairs, we'd hate for you to buy an older used car to have it break down and be a never-ending money pit!
Also, if you already own a car free and clear that fits within the Not Quite Classic auto loan parameters you can apply for a loan and use the title as security for a loan to use for other purposes like pay down other debts, pay for school expense or vacation.