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Auto & Other Vehicle 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.
Get Started!
Simplify the process with R1CU. We provide competitive rates, quick approval, and discounts on your new or used auto loan.
or Call 800-375-3674
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 22, 2022.
New Car Rate Discount
Being a member has its perks! Are you currently shopping for a new car? We have an exceptional deal for you! New vehicles that are untitled or less than 5,000 miles receive an additional 0.25% APR discount off your qualifying rate. Start your auto purchase journey with Resource One by searching our new car inventory through our Auto Research tool.
New Car Rate Discount: APR=Annual Percentage Rate. Available for untitled vehicles or vehicles with less than 5,000 miles. Floor rate of 1.75% APR. 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.
New and Used Auto Loans
| Loan Term | APR |
| 36 months or less | as low as 1.99% APR |
| 37 - 48 months | as low as 2.19% APR |
| 49 - 60 months | as low as 2.49% APR |
| 61 - 72 months | as low as 2.89% APR |
| 72 - 78 months | as low as 3.39% APR |
| 79 - 84 months | as low as 3.99% 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 for commercial loans. All loans are subject to approval. Rates as of January 22, 2022. Rates are subject to change without notice.
Motorcycles, ATVs, Boats, and RVs
| Loan Term | APR |
| 36 months or less | as low as 4.45% APR |
| 37 - 48 months | as low as 4.60% APR |
| 49 - 60 months | as low as 4.85% APR |
| 61 - 72 months | as low as 5.30% APR |
| 73 - 84 months | as low as 5.65% APR |
| 85 - 96 months | as low as 6.15% APR |
| 97 - 120 months | as low as 6.65% APR |
| 121 - 180 months | as 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 January 22, 2022. 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 give you 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 help you avoid expensive repairs to your vehicle. You choose the repair facility, 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 the value of your vehicle. 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. In addition, ADR provides expanded benefits for all family members listed on your automotive insurance policy.
Debt Protection with Life Plus
Does your family have a safety net if the unexpected hits?
Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances.
Debt Protection with Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Call Resource One Credit Union at 1-800-375-3674 and ask about protecting your loan payments today.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. *Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
GET STARTED
It’s simple to apply for Debt Protection with Life Plus.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.
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Questions? Call us anytime to speak with a specialist.1-800-375-3674
