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Auto Loan

带上新的轮子,享受优惠的价格和条款,以适应你的预算.

Apply Now Get Preapproved Refinance

Or call 1-800-621-2105

Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2023+ 6.79% 7.17% $721.09 48
Used 2021-2022 6.94% 7.32% $732.21 48
Used 2019-2020 7.44% 7.82% $730.28 48
Used 2017-2018 8.19% 8.57% $740.96 48

Rates effective July 1, 2024, subject to change without notice. 每个人的年度百分比利率(APR)由element的承保标准决定. Not all applicants will qualify for the displayed lowest rate. A documentary fee of $225 applies to all booked auto loan applications. APR calculation and example monthly payments in Auto Loan rate table 贷款金额为30,000美元,FICO评分为730或更高,期限为48个月. Rate includes 0.从Elements支票账户预授权转账可减免25%. 如果停止预授权转让,费率降低可能会增加. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for vehicle models 2016 and prior.

Auto Loan

Loans available for both new and used vehicles.

KEY FEATURES

  • Rates as low as 7.17% APR1
  • Finance up to 120% of your car’s value including tax and license
  • Good toward new or used vehicle purchases
  • Auto loan refinancing2 also available
  • Flexible terms to fit your budget
  • Various loan and asset protection programs

APPLY IN MINUTES

  • Closings typically in as quick as one business day

Get Preapproved

How does an Auto Loan work?

A family of three buying a new car

We will loan you the money for a new or used vehicle, and you will pay it back with interest over a specified period of time.

It’s good to plan ahead by getting preapproved for your Auto Loan. 这样你就可以更好地了解你应该购买的价格范围. 获得预先批准也会给你与卖家讨价还价的优势.

Elements可以为你的汽车提供高达价值120%的贷款,包括税收和执照. 不过,先付至少20%的定金是个好主意. 当然,你预付的钱越多,你每月的还款额就越低.

We understand car shopping can be a bit overwhelming. Never fear! We have partnerships that can make the process easier for you.

Get Started

从Elements而不是经销商那里获得汽车贷款有什么优势吗?

A mom and her two daughters loading the dog up into the car

Yes. When you get your Auto Loan from Elements, 你直接与贷款人合作,而不是通过中间人. A dealer will take a fee for arranging the loan, so it will end up being more expensive than going through Elements.

Should I get preapproved?

A woman buying a new car

Thinking ahead is always a good plan when buying a vehicle. Apply for an auto loan 在你开始购物之前,这样你就可以在事先批准的情况下谈判你的交易. This way you also know what price range you’re shopping for. 

Get Preapproved

Can Elements help with car shopping?

Yes! We have several partnerships that can make car buying a breeze.

  • Preferred Auto Dealers -如果您想直接在停车场购物,请访问我们的首选汽车经销商. 我们已经与印第安纳波利斯的汽车经销商合作,为您带来梦幻般的交易和伟大的利率, as well as incomparable service. Learn more.
  • Enterprise Car Sales - 你知道在企业汽车销售处买车和从其他地方买车是不同的吗? Enterprise有250多个品牌和型号,所以你可以找到你想要的. Learn more.
  • Auto Buying Service - The mission of Members Auto Source is to provide a professional, painless, and cost-effective way to purchase or lease a new or pre-owned vehicle. 他们的目标是为您提供所有可用的信息,以便做出最佳的购买决定. Learn more.

What are the fees?

An older couple loading groceries into their car

汽车贷款没有预付罚金或年费.

元素汽车贷款包括225美元的文件费在所有预订的汽车贷款申请.

对现有的element汽车贷款进行再融资也需要额外支付200美元的再融资费用.

How do I get the funds once my loan is approved?

A man buying a new car

If approved, 资金将通过电子转账或支票直接提供给经销商或卖方.

Elements是否提供延长保修或其他贷款或资产保护?

Yes. As your financial wellness providers, we want to make sure that you’re covered, no matter what may happen. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

To protect your purchase, 以下计划是可用的,并且可以包含在您的每月付款中:

  • Mechanical Breakdown Protection (MBP), also known as extended warranty, 汽车保护是否超出了制造商的工厂保修范围,并包括意外机械故障的维修. For the period of time the contract is in effect, 如果您的车辆出现故障,我们将对您的保险部件进行维修. This includes labor, subject to any applicable deductible. Learn more.
  • Guaranteed Auto Protection (GAP) 保护的目的是消除你的未付净贷款或租赁余额,如果你的车辆被盗或损坏无法修复. Learn more.
  • Debt Protection protects your credit rating during uncertain and stressful times. 你的贷款将被取消或暂停一段时间而不受罚款, added interest, 或者在承保事件发生时被信用局报告为拖欠. 承保的事件包括死亡、残疾、非自愿失业、探亲假和住院. Learn more.

Why should I go to Elements for my Auto Loan?

A young man putting gas in his car

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家会来到你的工作场所回答你的问题,并为你提供一对一的帮助,帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

自1930年以来,我们的总部设在印第安纳波利斯,在全国信用合作社中排名前3%3. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. 我们在这里为您提供全天候会员服务,并在工作日进行实时聊天.

Get Started

How do I apply?

Screenshot of Elements online application

3 Easy Steps to Apply

  1. Apply online - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1-800-621-2105 to get started. 准备好你的政府签发的身份证(驾驶执照,州身份证或护照)和 proof of residence.
  2. Take our call - 我们将在您提交申请后的一个工作日内与您联系,查看我们需要哪些文件并回答您的问题. We’ll also ask for your vehicle’s value, make, model, year, mileage, and VIN if not provided on the application.
  3. That’s it! - We'll contact you with a decision within 1 business day. Once your application is approved, we’ll contact you to sign documents and your loan will be complete!

Apply Now

Read more frequently asked questions about auto loans…

If I have bad credit, can I qualify for an auto loan?

Actually, there are several definitions of "good credit." So if you've had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. There is no cost to do so, 我们的贷款工作人员将与您一起寻找方法,使您的贷款申请获得批准.

What insurance requirements do you have for auto loans?

When you have an Auto Loan with Elements Financial, 你必须承担全面的保险,包括综合和碰撞的贷款价值. Elements offers an array of insurance 当您向我们贷款时,您还可以向我们投保您的车辆. Get a free online quote from Elements Financial Insurance Group today. 该应用程序是免费的,全天候可用,并且可以在任何您有互联网接入的地方访问. If you would rather apply in person, then come on into a branch convenient to you! 我们友好的财务健康专家在这里以任何方式帮助你,他们可以. Or you can call us at 1-800-842-5936 if you would like to discuss further options before applying. 

在我付清汽车贷款后,需要多长时间才能收到我的车辆所有权?

If your loan is paid off with guaranteed funds (cashier's check, cash, 或新的贷款收益)留置权卡或所有权将邮寄给适当的一方尽快. If the loan is paid off with a personal check, 我们将等待10个工作日,然后我们释放留置权卡或所有权.

Learn more about titling your vehicle.

We started with just the credit card and savings accounts, 但现在我们也有了支票,我们的两辆车都是通过Elements融资的. I don’t think we could go back to working with a normal bank again.

- Brandon S. | Member since 2017

What Will My Auto Payments Be?

Auto Loan Calculator

Results

  1. 1 Rates effective July 1, 2024, subject to change without notice. 每个人的年度百分比利率(APR)由element的承保标准决定. Not all applicants will qualify for the displayed lowest rate. A documentary fee of $225 applies to all booked auto loan applications. APR calculation and example monthly payments in Auto Loan rate table 贷款金额为30,000美元,FICO评分为730或更高,期限为48个月. Rate includes 0.从Elements支票账户预授权转账可减免25%. 如果停止预授权转让,费率降低可能会增加. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for vehicle models 2016 and prior.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
  3. 3 Based on asset size as of 12/31/2022.
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