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.

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
  • Send Money
  • Add on Protection Products
  • Exclusive Skip-a-Payment Program

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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
  • Send Money
  • College Grad Special Offer
  • ITIN Lending
  • Member-Only Discounts
  • Add on Protection Products
  • Exclusive Skip-a-Payment Program

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Current Rates

New and Used Auto Loans

loan term apr
36 months or less as low as 5.99% APR
37 - 48 months as low as 6.49% APR
49 - 60 months as low as 6.69% APR
61 - 72 months as low as 6.99% APR
73 - 78 months as low as 7.49% APR
79 - 84 months as low as 7.99% 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 to commercial loans. All loans are subject to approval. Rates as of April 12, 2024. Rates are subject to change without notice.

Loan Rates

5.49 APR

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Adventure Loans (Motorcycles, ATVs, Boats, and RVs)

loan term apr
36 months or less as low as 6.99% APR
37 - 48 months as low as 7.14% APR
49 - 60 months as low as 7.39% APR
61 - 72 months as low as 7.84% APR
73 - 84 months as low as 8.19% APR
85 - 96 months as low as 8.69% APR
97 - 120 months as low as 9.19% APR
121 - 180 months as low as 9.69% 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 to commercial loans. All loans are subject to approval. Rates as of April 12, 2024. Rates are subject to change without notice.

Loan Rates

5.49 APR

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 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.

Benefits

  • GAP Insurance
  • GAP Insurance
  • Dent Guard with ADR

ITIN Lending

itin icon bilingual

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:

Ready to Get Started?


Special Offers for You

Save an additional 0.25% APR on your new auto!

If you buy a new vehicle with less than 5,000 miles or has never been titled, you could qualify for an additional 0.25% APR discount on your qualified rate.

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. The offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Our gift to you!

birthday cake with candle

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

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.