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Auto Loan

Resource One can help put you in the driver’s seat. Our loan officers are here to help you with the next car purchase you make, new or used. The car, truck, or SUV you have been looking at is within reach and at a great low rate. Feel confident at the dealership knowing what you can afford and what you should be paying.

Get in the Driver’s Seat

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.

Key features:

= 100% financing available
= No application fee
= Discounted protection products
= New and used vehicles

Meet a Loan Officer by Video Chat or Call 800-375-3674

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.

Purchase Your Next New or Used Vehicle
90 Days of No Payments

Make no payments for the first 90 days of your purchased new or used vehicle loan!

Let Resource One provide you with the financing on your next vehicle purchase. No matter if you are looking for a new or used vehicle, we offer low rates to get you going. Plus, you don’t pay a dime for 90 days!

Save up to $962 on a Resource One auto loan.1

Meet a Loan Officer by Video Chat or Call 800-375-3674

Key features:

= Competitive rates
= No application fee
= Speedy approval process
= Budget friendly rates & terms

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. Offer applies to consumer loans only; commercial loans do not qualify. Interest accrues during the no-payment period. Estimated monthly payment of $19.89 per $1,000 borrowed at 7.19% APR for 60 months. Restrictions may apply; see credit union for details.

1 Based upon an analysis of 2,036 banking locations in Dallas-Fort Worth-Arlington Metro as of 1/11/2022, Resource One Credit Union’s new car loan over 60 months outperformed the Dallas Metro average by 37%. $962 is the difference between the amount paid in interest between Resource One Credit Union’s rate at 2.49% APR compared to 3.93% APR for the Dallas-Fort Worth-Arlington Metro market average over the life of a $25,000 auto loan over 60 months. APR = Annual Percentage Rate. $25k loan, 100% financing, A credit score. All rates and terms herein are subject to change without notice and may be subject to credit approval.

Special Offers for You

Save an additional 0.50% APR on your new auto!

If you are buying a new vehicle with less than 5,000 miles or has never been titled you could qualify for an additional 0.50% APR discount on your qualified rate.

Meet a Loan Officer by Video Chat or Call 800-375-3674

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Save an additional 0.50% 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 0.50% 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 that has a loan amount of $9,000 and the actual value of the vehicle is $11,000 you would have an LTV (Loan-to-Value) of 82%.

Meet a Loan Officer by Video Chat or Call 800-375-3674

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.

Special Birthday OfferOur gift to you!

Happy Birthday to you! If you purchase a vehicle around your birthday we will give you $100. Now doesn't that sound sweet?

Meet a Loan Officer by Video Chat or Call 800-375-3674

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Love My Credit Union CarvanaDrive Off with $100 Cash!

Get $100 cash reward from Love My Credit Union Rewards when you buy a vehicle from Carvana.
  • Browse certified inventory: low mileage, no reported accidents, 150-point inspection.
  • Shop from home: buy online with delivery or pickup available as soon as the next day.
  • Get more for less: save valuable time and money by shopping online.
  • Buy with confidence: 7-day money-back guarantee, 100-day warranty.
  • Finance with ease: easily finance a Carvana purchase with a loan from Resource One Credit Union.

Meet a Loan Officer by Video Chat or Call 800-375-3674

* Valid only for Carvana purchases through LoveMyCreditUnion.org. See Terms and Conditions. Restrictions may apply; see credit union for details.

Low Rates that are Competitive

New and Used Auto Loans

Loan TermAPR
36 months or lessas low as 2.49% APR
37 - 48 monthsas low as 2.69% APR
49 - 60 monthsas low as 2.99% APR
61 - 72 monthsas low as 3.39% APR
73 - 78 monthsas low as 3.89% APR
79 - 84 monthsas low as 4.49% 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 July 07, 2022. Rates are subject to change without notice.

New & Used Auto Rates As Low As

2.49% APR

Meet a Loan Officer by Video Chat or
Call 800-375-3674

Auto Loan Application Process

A Resource One Credit Union auto loan could get you on the road again with a great rate quickly.

Submit an application

To get the loan process started, first submit an online loan application. You can also apply by calling 800-375-3674.

Get pre-qualified

We will process your application and notify you when your pre-qualification is completed, usually the same day.

Negotiate the best deal

Be sure to bring your loan pre-qualification to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Save even more time and money when you use Auto Research Service.

Complete your loan documents

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.

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.

Ready to Get Started?

Apply Online

Use our easy online application process to get started right away.

Apply Now

Video Banking

Meet with our specialists through a video chat.

Video Banking

Apply by Phone

Questions? Call us anytime to speak with a specialist.

1-800-375-3674

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 all your financial needs, including:
ITIN Lending Icon
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© 2022 Resource One Credit Union. All rights reserved.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.