Auto & Adventure Loans
Ready to hit the road? Let us help you get the perfect financing for your new or used car! Our team is here to find you the best rate, and if we can beat your current lender’s rate, we’ll help you refinance too. Dreaming of a new adventure? Whether it’s a motorcycle, RV, ATV, or boat, we’ve got the funds to get you there! Let’s make it happen and get you moving!
Compare and Select Your Loan
Auto Refinance
Didn’t finance your auto loan with Resource One? You might be paying more than you need to! Our members enjoy some of the most competitive rates around, plus exclusive discounts on protection products to save you even more on your investment. It’s time to put those extra savings back in your pocket—let us help you refinance today!
Available Benefits
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
Most Popular
New & Used Auto Loans
Make car buying a breeze with R1CU! We offer competitive rates, fast approval, and exclusive member discounts on both new and used auto loans. Get behind the wheel of your dream car, faster and for less!
Available Benefits
Adventure Loans
Ready to embark on your next adventure? We’ve got you covered with our Adventure Loan options! Whether it’s a boat, RV, ATV, plane, or motorcycle, financing your dream ride has never been easier. Let’s get you on the road (or water, or sky!) to your next great adventure!
Available Benefits
Current Rates
| loan term | apr |
|---|---|
| 36 months or less | as low as 4.79% APR |
| 37 - 48 months | as low as 4.84% APR |
| 49 - 60 months | as low as 4.89% APR |
| 61 - 72 months | as low as 4.99% APR |
| 73 - 78 months | as low as 5.19% APR |
| 79 - 84 months | as low as 5.79% 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 July 15, 2026. Rates are subject to change without notice. |
|
Loan Rates
4.79 APR
| loan term | apr |
|---|---|
| 36 months or less | as low as 6.59% APR |
| 37 - 48 months | as low as 6.74% APR |
| 49 - 60 months | as low as 6.99% APR |
| 61 - 72 months | as low as 7.44% APR |
| 73 - 84 months | N/A |
| 85 - 96 months | N/A |
| 97 - 120 months | N/A |
| 121 - 180 months | N/A |
|
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 July 15, 2026. Rates are subject to change without notice. |
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Loan Rates
4.79 APR
Additional Benefits
Skip-a-Payment Program
Take a break from your loan payment and treat yourself with the extra cash. Whether it’s a getaway, a family outing, or something you’ve had your eye on, you’ve earned it!
Benefits
AutoSmart Car Buying
Find your next ride with AutoSMART! Explore thousands of new and used vehicles online or in the app. With powerful search tools and a wide selection at your fingertips, finding the perfect vehicle has never been easier, or more fun!
Benefits
Protection Products
Is your vehicle ready for every adventure, and protected along the way? We’ve got you covered with GAP, Mechanical Breakdown Protection, and Omni Protect to help safeguard you from the unexpected. You can add eligible protection products to most auto loans and hit the road with greater confidence!
Benefits
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 you:
Ready to Get Started?
Virtual Branch
Ready to apply now, meet with our virtual branch staff through video chat.
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.
Save an additional 0.25% 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 0.25% 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.
Exceptionally low rates!
With auto loan rates as low as 4.79% APR, you can focus on where you’re headed, not what you’re paying along the way. Whether you’re upgrading, refinancing, or buying your first set of wheels, getting started is fast and easy on our website or through Online Banking. Apply online today and get one step closer to driving what moves you.
APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and the condition of collateral. All loans are subject to approval. To qualify for this offer, the Loan-to-Value (LTV) ratio must be below 90%. This offer is valid for consumer loans only and does not apply to commercial loans. Certain restrictions may apply. This offer cannot be combined with other promotions. For further details, please contact the credit union.
