Simplify the car buying process with R1CU. We provide competitive rates, quick approval, and member discounts on your new or used auto loan.
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Features and Benefits
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.
- Wide variety of loans for new and used vehicles, as well as motorcycles and RVs
- You’ll always receive a competitive rate – with no application fee when booked at Resource One Credit Union
- Loan Payment Protection Products – Protect your investment after you buy
New and Used Auto Loans
|24 months or less||as low as 3.05% APR*||Estimate Your Payment ➤|
|25 - 36 months||as low as 3.50% APR|
|37 - 48 months||as low as 3.65% APR|
|49 - 60 months||as low as 3.90% APR|
|61 - 72 months||as low as 4.35% APR|
|More than 72 months||as low as 4.60% 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 December 18, 2018. Rates are subject to change without notice.
Competitive rates as low as 1.90% APR.
Personalized service. We help you every step of the way.
Quick & Easy
Quick and easy process to save you time.
Auto Loan Application Process
A Resource One Credit Union auto loan could get you on the road again with a great rate quickly.
① Submit an application
② Get pre-qualified
③ Negotiate the best deal
④ Complete your loan documents
⑤ Finalize your financing
We’ll send the funds to you or the dealer.
Car Loan FAQs
How can being pre-qualified help me when I’m vehicle shopping?
Being pre-qualified helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, dealers tend to take people more seriously when they come in with pre-qualified financing because it means you’re ready to do business and not just “window shopping.”
How fast can I be approved for a vehicle loan? Will funds be available same day?
In many cases, your funds may be available the same day. We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer your questions and help expedite the simple application and approval process.
Can I pay off my loan quicker than the payment schedule?
Absolutely. At Resource One, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.
When you’re pre-qualified, you hold the keys
How does being pre-qualified help you? When dealers see that you’re pre-qualified, they know you are a serious buyer. They’ll be ready to make a good deal to get your business, and you can be confident knowing that you have a low-rate financing option with Resource One Credit Union.