Auto & Other Vehicle Loans
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Simplify the process with R1CU. We provide competitive rates, quick approval, and discounts on your new or used auto loan.
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Resource One Auto Loans
No matter what type of vehicle – new or used – you’re looking to buy, we make it easy to get the financing you need. With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them. The best place to start is getting pre-qualified. You’ll feel more in control when you’re at the dealership knowing what you have to spend and be able to negotiate a better price. Once you’ve found your new vehicle, we’ll be ready with your financing to make your purchase a quick and smooth process.
New and Used Car Loans
Simplify the car buying process with R1CU. We provide competitive rates, quick approval and member discounts on your new or used auto loan.
Refinance Car Loans
Refinancing your current car loan is easy and can save you money. Refinance your current loan with R1CU.
College Grad Auto Loans
You’ve worked hard, and now you need a car to get you on the road to success. Resource One provides you the opportunity to purchase a car of your choice and establish credit in your name. Down payment and co-signer not required, you have 90 days until your first payment and you could get up to a $1,000 line of credit!
First Time Buyer Auto Loans
Limited or no credit history is NOT a problem. Choose from a variety of terms and rates to help you establish a payment history and get your first set of wheels! You can finance either a new or used car, and no co-signer is required.
Loan Rates
Rates as of January 26, 2020.
New and Used Auto Loans
| Loan Term | APR |
| 24 months or less | as low as 2.95% APR |
| 25 - 36 months | as low as 3.40% APR |
| 37 - 48 months | as low as 3.55% APR |
| 49 - 60 months | as low as 3.75% APR |
| 61 - 72 months | as low as 4.20% APR |
| More than 72 months | as low as 4.45% 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 subject to approval. Rates as of January 26, 2020. Rates are subject to change without notice.
Boat, Motorcycle, ATV, and RV Loans
| Loan Term | APR | |
| 24 months or less | as low as 4.75% APR | Estimate Your Payment ➤ |
| 25 - 36 months | as low as 5.20% APR | |
| 37 - 48 months | as low as 5.35% APR | |
| 49 - 60 months | as low as 5.60% APR | |
| 61 months or more | as low as 6.05% APR | |
| 61 months or more | as low as 6.30% 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 subject to approval. Rates as of January 26, 2020. Rates are subject to change without notice.
Additional Loan Services
Skip A Payment Program
Take a break from paying one of your loan payments and spend that hard earned money on something else! You can use two skip-a-payments per year, with a maximum of five skip-a-payments for the life of your loan.
Auto Smart 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.
GAP Insurance
GAP protects you when you need it most – when your vehicle is declared a total loss or stolen and not recovered. It pays the difference between your primary insurance settlement and the unpaid net balance of your loan. GAP will even cover your insurance deductible, up to $1,000, and is available for both new and used vehicles. Also, GAP can be added to new or used vehicle loans, at any time.
Vehicle Service Contract
Your vehicle is not only an investment; it’s your transportation lifeline. Our VSC (Vehicle Service Contract) plans, you have the peace of mind knowing your investment is protected. With over 13,000 mechanical parts that can break down on a vehicle, repair bills can be costly. Our comprehensive VSC plans, you will avoid the expensive repairs to your vehicle. You choose the repair facility of your choice and all plans include: Roadside Assistance, Rental Car Assistance, Tire Protection and Trip Interruption. Coverage is available on most vehicles with unlimited miles currently on your vehicle, so you are eligible.
Dent Guard ADR
With Dent Guard ADR – you can remove small dent and dings from your vehicle’s body panels using the paintless dent repair (PDR) process, and maintain your vehicles value. No need for expensive and time consuming body shop repairs. Dent Guard ADR features $0 deductible, Unlimited paintless dent repair claims, Nationwide Service and Auto Deductible Reimbursement (ADR). ADR reimburses your auto deductible, up to $500, on any collision or comprehensive claim. ADR provides expanded benefits for all family members listed on your automotive insurance policy.
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. 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.
