Competitive rates and flexible terms to help you drive away in your dream car
Rates effective as of May 10, 2025
| Term | APR* as low as | Monthly Payment per $1,000 |
|---|---|---|
| 36 Months | 3.49% | $29.22 |
| 48 Months | 3.74% | $22.36 |
| 60 Months | 3.99% | $18.30 |
| 72 Months | 4.24% | $15.65 |
| 84 Months | 4.49% | $13.74 |
| Term | APR* as low as | Monthly Payment per $1,000 |
|---|---|---|
| 36 Months | 3.99% | $29.52 |
| 48 Months | 4.24% | $22.69 |
| 60 Months | 4.49% | $18.64 |
| 72 Months | 4.74% | $16.01 |
| Term | APR* as low as | Monthly Payment per $1,000 |
|---|---|---|
| 36 Months | 3.74% | $29.37 |
| 48 Months | 3.99% | $22.53 |
| 60 Months | 4.24% | $18.47 |
| 72 Months | 4.49% | $15.83 |
*Annual Percentage Rate (APR). Rates shown are for borrowers with excellent credit and include a 0.25% discount for automatic payments from a East Credit Union checking account. Your rate may differ based on creditworthiness, loan amount, term, and vehicle age. Rates subject to change without notice.
Experts recommend spending no more than 15% of your monthly take-home pay on auto expenses.
Our auto loan rates are among the most competitive in the industry, helping you save money over the life of your loan.
Get a decision on your auto loan application in as little as 30 minutes during business hours.
We believe in transparency. No application fees, no prepayment penalties, and no hidden charges.
Manage your auto loan online or through our mobile app. Set up automatic payments to never miss a payment.
The amount you can borrow depends on several factors, including your income, credit score, existing debt, and the value of the vehicle you're purchasing. Generally, we recommend that your total monthly car expenses (including loan payment, insurance, gas, and maintenance) should not exceed 15% of your monthly take-home pay.
To apply for an auto loan, you'll typically need:
Additional documentation may be required based on your specific situation.
Many applications receive a decision within 30 minutes during business hours. However, some applications may require additional review, which can take 1-2 business days. Once approved, you can typically close on your loan and receive funds within 1-3 business days.
Yes, you can pay off your auto loan early without any prepayment penalties. Making extra payments or paying off your loan early can save you money on interest over the life of the loan. You can make additional payments at any time through online banking, our mobile app, or at any branch location.
While we consider multiple factors in our lending decisions, generally a credit score of 660 or higher will qualify you for our best rates. However, we offer auto loans for a wide range of credit profiles. If you have concerns about your credit, we encourage you to speak with one of our loan specialists who can help you explore your options.
Apply for an auto loan today or speak with one of our loan specialists