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 getting the financing you need easy. 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 being able to negotiate a better price. Once you’ve found your new vehicle, we’ll be ready with your financing to make your purchase quick and smooth.

Key features:

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

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

When you’re pre-qualified, you hold the keys

How does being pre-qualified help you? When dealers see 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.

Existing Resource One Credit Union auto loans are not eligible for this offer.

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Our gift to you!

birthday cake with candle

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

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Low, Competitive Rates

New and Used Auto Loans

loan term apr
36 months or less as low as 5.99% APR
37 - 48 months as low as 6.49% APR
49 - 60 months as low as 6.69% APR
61 - 72 months as low as 6.99% APR
73 - 78 months as low as 7.49% APR
79 - 84 months as low as 7.99% 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 24, 2024. Rates are subject to change without notice.

New & Used Auto Rates As Low As

5.99% APR

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 R1CU at 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?

Take a break from paying one of your loan payments and spend that hard-earned money on something else!

Will funds be available same day?

Start your search for the perfect vehicle with AutoSmart where valuable resources are at your fingertips. Search an extensive inventory of new and used vehicles online or by the app.

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?