Auto/RV/Boat/Motorcycle/Off-road

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Best of Central California Gold Winner Auto Loans

Vehicle Loans

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We can help you finance the auto, RV, boat, motorcycle, or off-road vehicle you have your eye on - new or used. Features and benefits of our loans:

  • Competitive rates
  • Up to 100% financing available
  • Flexible payment terms
  • .50% rate discount for automatic payment
  • Convenient payment options

Refinancing

If you purchased a vehicle and financed it somewhere else, you may have a higher interest rate or you may have a higher monthly payment. Consider refinancing your vehicle loan with EECU - it just may save you some money!

Give us the opportunity to earn your business and see if we can lower your monthly payment. If you decide to refinance the loan with us, we'll make the process easy and quick. We'll even take care of paying off the loan and transferring the title.

Our Refinance Auto Loans Offer:

  • Flexible payment terms
  • Up to 100% financing available
  • .50% rate discount for automatic payment
  • Convenient payment options

Apply online, at any branch, or call us at 1-800-538-3328.

Student Auto Loans

If you're a student, we've got an auto loan package just for you! Student auto loan rates include a discount for required automatic payment and are based on your GPA.

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Rates

For a limited time, as low as 4.49% APR on new car and truck loans through December 31st. Based on credit qualifications.
*Offer valid on New Auto loans (model year 2021 and newer) funded November 1 – December 31, 2024. “As low as” APR assumes a maximum term of 72 months with a 0.50% discount for auto pay from an EECU checking account. Your actual APR may differ based on your credit history, loan term and other factors. Payment example: monthly payment is $18.64 per $1,000 borrowed for a 5-year loan at 4.49% APR. Rates not available to refinance any existing EECU loan. Subject to credit approval. Rates subject to change without notice. Other conditions and restrictions apply.

Rates effective December 1, 2024

Autos


2021 and newer models

rates_vehicle_new table
TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
36 months4.49%$29.74 per $1,000
48 months4.49%$22.80 per $1,000
60 months, $5,000 minimum4.49%$18.64 per $1,000
72 months, $15,000 minimum4.49%$15.87 per $1,000
84 months, $25,000 minimum5.49%$14.37 per $1,000

Auto Loan Maximum $125,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.

2021 and newer models

rates_vehicle_student_new table
TermAPREstimated Monthly Payment based on 60 month term
36 - 72 months
GPA 3.50 or higher4.49%$18.64 per $1,000
GPA 3.00 - 3.495.99%$19.33 per $1,000
GPA 2.50 - 2.998.49%$20.51 per $1,000
GPA 2.49 or less14.49%$23.52 per $1,000

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old.

2018-2020 models

rates_vehicle_used table
TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
36 months6.00%$30.42 per $1,000
48 months6.00%$23.49 per $1,000
60 months, $5,000 minimum6.00%$19.33 per $1,000
72 months, $15,000 minimum6.00%$16.57 per $1,000
84 months, $25,000 minimum7.00%$15.09 per $1,000

Auto Loan Maximum $100,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.

2018-2020 models

rates_vehicle_student_used table
TermAPREstimated Monthly Payment based on 60 month term
36 - 60 months
GPA 3.50 or higher6.00%$19.33 per $1,000
GPA 3.00 - 3.497.50%$20.04 per $1,000
GPA 2.50 - 2.9910.00%$21.25 per $1,000
GPA 2.49 or less16.00%$24.32 per $1,000

Auto Loan Maximum $20,000. Must be titled in California. Required automatic payment from EECU checking account. Student must be 18 years of age or older, enrolled in a minimum of six (6) units, and provide a grade report/transcript that is less than six months old.

2004-2017 models listed in current Kelley Older Car Guide

rates_vehicle_golden table
TermAPR As Low AsEstimated Monthly Payment based on 'As Low As' Rate
36 months7.24%$30.99 per $1,000
48 months, $5,000 minimum7.74%$24.29 per $1,000
60 months, $10,000 minimum7.94%$20.25 per $1,000
72 months, $15,000 minimum7.94%$17.50 per $1,000

Golden Auto Loan Maximum $100,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.

2014 or older collectible vehicles

rates_vehicle_classic_auto table
TermAPR As Low AsEstimated Monthly Payment based on 'As Low As' Rate
Up to 60 months, $5,000 minimum7.94%$20.25 per $1,000

Classic Auto Loan Maximum $50,000. Must be titled in California.
'As low as' rate includes .50% discount for automatic payment from EECU checking account.

RV/Boat Loans


RV Maximum: $250,000       Boat Maximum: $100,000. Must be titled in California.
RV's: 2021 and newer models       Boats: Not Previously Registered

rates_vehicle_new_rv_boat table
TermAPR As Low AsEstimated Monthly Payment based on As low As Rate
NEW BOAT
36 months6.50%$30.65 per $1,000
48 months6.50%$23.71 per $1,000
60 months, $5,000 minimum6.50%$19.57 per $1,000
72 months, $15,000 minimum6.50%$16.81 per $1,000
84 months, $25,000 minimum7.00%$15.09 per $1,000
120 months, $30,000 minimum8.00%$12.13 per $1,000
144 months, $35,000 minimum9.00%$11.38 per $1,000
NEW RV
36 months6.50%$30.65 per $1,000
48 months6.50%$23.71 per $1,000
60 months, $5,000 minimum6.50%$19.57 per $1,000
72 months, $15,000 minimum6.50%$16.81 per $1,000
84 months, $25,000 minimum7.00%$15.09 per $1,000
120 months, $30,000 minimum8.00%$12.13 per $1,000
144 months, $35,000 minimum9.00%$11.38 per $1,000
180 months, $50,000 minimum10.00%$10.75 per $1,000

'As low as' rate includes a .50% discount for automatic payment from an EECU checking account. Trailer max. length 48 ft. and/or width 8.5 ft. Must be titled in California.

RV Maximum: $250,000       Boat Maximum: $100,000
RV's: 2020 and older models       Boats: Previously Registered

rates_vehicle_used_rv_boat table
TermAPR As Low AsEstimated Monthly Payment based on As low As Rate
USED BOAT
36 months7.00%$30.88 per $1,000
48 months7.00%$23.95 per $1,000
60 months, $5,000 minimum7.00%$19.80 per $1,000
72 months, $15,000 minimum7.00%$17.05 per $1,000
84 months, $25,000 minimum8.50%$15.84 per $1,000
120 months, $30,000 minimum9.50%$12.94 per $1,000
144 months, $35,000 minimum10.50%$12.24 per $1,000
USED RV
36 months7.00%$30.88 per $1,000
48 months7.00%$23.95 per $1,000
60 months, $5,000 minimum7.00%$19.80 per $1,000
72 months, $15,000 minimum7.00%$17.05 per $1,000
84 months, $25,000 minimum7.50%$15.34 per $1,000
120 months, $30,000 minimum8.50%$12.40 per $1,000
144 months, $35,000 minimum9.50%$11.66 per $1,000
180 months, $50,000 minimum10.50%$11.05 per $1,000

'As low as' rate includes a .50% discount for automatic payment from an EECU checking account. Trailer max. length 48 ft. and/or width 8.5 ft. Must be titled in California.

Motorcycle Loans


rates_vehicle_motorcycle table
TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
NEW MOTORCYCLE
36 months6.00%$30.42 per $1,000
48 months, $2,500 minimum6.00%$23.49 per $1,000
60 months, $5,000 minimum6.00%$19.33 per $1,000
72 months, $15,000 minimum6.00%$16.57 per $1,000
USED MOTORCYCLE
36 months6.50%$30.65 per $1,000
48 months, $2,500 minimum6.50%$23.71 per $1,000
60 months, $5,000 minimum6.50%$19.57 per $1,000
72 months, $15,000 minimum6.50%$16.81 per $1,000

New/Used Motorcycle Loan Maximum $30,000. Must be titled in California. 'As low As' rate includes a .50% discount for automatic payment from an EECU checking account.

New & Used Off-Road Vehicle Loans


rates_vehicle_new_used_offroad table
TermAPR As Low AsEstimated Monthly Payment based on 'As low As' Rate
36 months, $1,000 minimum9.00%$31.80 per $1,000
48 months, $2,500 minimum10.00%$25.36 per $1,000
60 months, $5,000 minimum11.00%$21.74 per $1,000

Off-Road Vehicle Loan Maximum $20,000. Must be titled in California. 'As low as' rate includes .50% discount for automatic payment from EECU checking account.


*Actual rate depends upon credit history and other factors. Lowest rate shown includes .50% automatic payment discount from EECU checking account. Rates are not available for refinancing existing EECU loans. Rates subject to change without notice.

How Interest Rates Are Determined: To make loans available to as many members as possible, we offer a variety of rates. The actual rate of interest applicable to your loan will depend on a number of factors including, but not limited to, credit history and loan payments by automatic payment. The rate assigned will be disclosed to you before you become obligated. A .50% discount for loan payments by automatic payment is available on certain loan types. The rate reduction does not apply to VISA credit cards, certain unsecured loans or share secured loan sub-accounts.

New Auto Financing: Dealer Purchase - Marked new on the purchase order: 100% of purchase price, not to exceed 120% of MSRP (Manufacturer's Suggested Retail Price) including tax, license, Mechanical Breakdown Insurance (MBI) or dealer warranty, Guaranteed Auto Protection (GAP) waiver, upgrades (accessories), and applicable EECU fees. Dealer Purchase - Marked used on the purchase order: 100% of retail Kelley Blue Book (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees). Private Party Purchase: 100% of retail Kelley Blue Book (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees).

Used Auto Financing: Financing available up to 100% of retail Kelley Blue Book or NADA Guide (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees).

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