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Auto & Adventure Loans

Get moving with the right financing. Our team can help you with your new or used auto purchase. We can also help you check for the right rate and refinance if our rate is better on your current loan with another lender. Maybe an adventure is in your future with a motorcycle, RV, ATV, or boat…we can provide you the funds to get you moving.

Meet a Loan Officer by Video Chat or Call 800-375-3674

Compare and Select Your Loan

Auto Refinance
If you didn’t finance your auto loan with Resource One, there is a good chance you’re paying too much. Our members receive the most competitive rates and discounts on protection products saving you even more with your investment.
Available Benefits
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674

Most Popular

New & Used Auto Loans
Simplify the car buying process with R1CU. We provide competitive rates, quick approval, and member discounts on your new or used auto loan.
Available Benefits
= Car Buying Service
= First Time Buyer Special Offer
= College Grad Special Offer
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674
Adventure Loans
Are you ready to set out on an adventure? We have you covered with our Adventure Loan line-up. Financing for your boat, RV, ATV, plane, or motorcycle has never been easier.
Available Benefits
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674
New & Used Auto Loans
Simplify the car buying process with R1CU. We provide competitive rates, quick approval, and member discounts on your new or used auto loan.
Available Benefits
= Car Buying Service
= First Time Buyer Special Offer
= College Grad Special Offer
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674
Auto Refinance
If you didn’t finance your auto loan with Resource One, there is a good chance you’re paying too much. Our members receive the most competitive rates and discounts on protection products saving you even more with your investment.
Available Benefits
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674
Adventure Loans
Are you ready to set out on an adventure? We have you covered with our Adventure Loan line-up. Financing for your boat, RV, ATV, plane, or motorcycle has never been easier.
Available Benefits
= ITIN Lending
= Member-Only Discounts
= Add on Protection Products
= Exclusive Skip-a-Payment Program
Meet an Account Specialist by Video Chat or Call 800-375-3674

Current Rates

New and Used Auto Loans

Loan TermAPR
36 months or lessas low as 2.49% APR
37 - 48 monthsas low as 2.69% APR
49 - 60 monthsas low as 2.99% APR
61 - 72 monthsas low as 3.39% APR
73 - 78 monthsas low as 3.89% APR
79 - 84 monthsas low as 4.49% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans are subject to approval. Rates as of July 07, 2022. Rates are subject to change without notice.

New & Used Auto Rates As Low As

2.49% APR

Meet a Loan Officer by Video Chat or
Call 800-375-3674

Motorcycles, ATVs, Boats, and RVs

Loan TermAPR
36 months or lessas low as 4.45% APR
37 - 48 monthsas low as 4.60% APR
49 - 60 monthsas low as 4.85% APR
61 - 72 monthsas low as 5.30% APR
73 - 84 monthsas low as 5.65% APR
85 - 96 monthsas low as 6.15% APR
97 - 120 monthsas low as 6.65% APR
121 - 180 monthsas low as 7.15% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans are subject to approval. Rates as of July 07, 2022. Rates are subject to change without notice.

Other Collateral Rates As Low As

4.45% APR

Meet a Loan Officer by Video Chat or
Call 800-375-3674

Additional Benefits

Skip-a-Payment Program
Take a break from paying one of your loan payments and spend that hard-earned money on something else!
Benefits
= Skip a payment on qualifying loans
= Skip up to 2 payments a year
= Skip up to 5 payments over the loan
= Exclusive to Resource One members
AutoSmart Car Buying
Start your search for the perfect vehicle with AutoSmart where valuable resources are at your fingertips. Search an extensive inventory of new and used vehicles online or by the app.
Benefits
= Search thousands of vehicles
= Financing with your Credit Union
= Exclusive member-only benefit
Protection Products
Is your vehicle protected? We have you covered from bumper to bumper with GAP, vehicle service contracts, and dent fixes. Add to most loans at any time.
Services
= GAP Insurance
= Vehicle Service Contract
= Dent Guard with ADR

ITIN Lending

Resource One Credit Union is proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). We approach every member the same: Creating lasting value with the right mix of products and services to assist in securing the financial future of all our members. All credit union members, whether they open their accounts with a social security number or an ITIN have access to the same low rates. If you are an ITIN holder, Resource One is here for all your financial needs, including:
ITIN Lending Icon

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1-800-375-3674

Special Offers for You

Save an additional 0.50% APR on your new auto!

If you are buying a new vehicle with less than 5,000 miles or has never been titled you could qualify for an additional 0.50% APR discount on your qualified rate.

Meet a Loan Officer by Video Chat or Call 800-375-3674

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Save an additional 0.50% APR with the value of your auto!

Is your vehicle worth more than you need for your vehicle loan? If so, you could receive an additional 0.50% APR discount on your qualified rate when you finance that vehicle with Resource One.

How It Works

Loan-to-Value = Vehicle Loan Amount / Appraised Vehicle Value

So if you have a vehicle that has a loan amount of $9,000 and the actual value of the vehicle is $11,000 you would have an LTV (Loan-to-Value) of 82%.

Meet a Loan Officer by Video Chat or Call 800-375-3674

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. Loan-to-Value (LTV) must be less than 90% to qualify for the offer. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Special Birthday OfferOur gift to you!

Happy Birthday to you! If you purchase a vehicle around your birthday we will give you $100. Now doesn't that sound sweet?

Meet a Loan Officer by Video Chat or Call 800-375-3674

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Love My Credit Union CarvanaDrive Off with $100 Cash!

Get $100 cash reward from Love My Credit Union Rewards when you buy a vehicle from Carvana.
  • Browse certified inventory: low mileage, no reported accidents, 150-point inspection.
  • Shop from home: buy online with delivery or pickup available as soon as the next day.
  • Get more for less: save valuable time and money by shopping online.
  • Buy with confidence: 7-day money-back guarantee, 100-day warranty.
  • Finance with ease: easily finance a Carvana purchase with a loan from Resource One Credit Union.

Meet a Loan Officer by Video Chat or Call 800-375-3674

* Valid only for Carvana purchases through LoveMyCreditUnion.org. See Terms and Conditions. Restrictions may apply; see credit union for details.

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details.

College Grad Auto Loans: APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. To qualify for the College Grad Auto Loan you must provide proof of college degree and be employed in a full-time capacity or have a copy of an offer letter. Up to $1,000 additional line of credit is subject to approval. Restrictions may apply; see credit union for details.

First Time Buyer: APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. To qualify for the First Time Buyer Auto Loan there must be no previous vehicle credit history, no derogatory credit history, employed in a full-time capacity at least one year with current employer. Restrictions may apply; see credit union for details.

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Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.