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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:
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.
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.
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 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 0.50% 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.
Our 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.
Low Rates that are Competitive
New and Used Auto Loans
| Loan Term | APR |
| 36 months or less | as low as 5.49% APR |
| 37 - 48 months | as low as 5.99% APR |
| 49 - 60 months | as low as 6.19% APR |
| 61 - 72 months | as low as 6.49% APR |
| 73 - 78 months | as low as 6.99% APR |
| 79 - 84 months | as low as 7.49% 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 to commercial loans. All loans are subject to approval. Rates as of March 22, 2023. Rates are subject to change without notice.
New & Used Auto Rates As Low As
5.49% 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.
① Submit an application
To get the loan process started, first submit an online loan application. You can also apply by calling 800-375-3674.
② Get pre-qualified
We will process your application and notify you when your pre-qualification is completed, usually the same day.
③ 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.
④ Complete your loan documents
Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.
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.
Ready to Get Started?
Apply Online
Use our easy online application process to get started right away.Video Banking
Meet with our specialists through a video chat.Apply by Phone
Questions? Call us anytime to speak with a specialist.1-800-375-3674
ITIN Lending
