Auto Loan PromotionResource One is offering 90 days of no payments on qualifying new, used, or even externally refinanced auto loans! Not only that, but our rates are historically low! What a deal! If your current auto is 6+ months old, you could benefit from our all-time low rates! Have your loan with another lender? Let us review your rate and refinance your loan to Resource One.
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
|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 4.04% 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 October 21, 2021. Rates are subject to change without notice.
Competitive and low rates.
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.
Why Choose Resource One Credit Union?
As a credit union, Resource One has a lot to offer our members that differentiate us from banks and other financial institutions.
Ability to Join
Trust & Personal Service
Return Money to Members
That’s the credit union difference!
Ready to Get Started?
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.