Auto Loan Options

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monthly payment be?

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Auto Rates

 Rate APR
as low as
New Cars, Trucks and Vans (2021 and Newer)
Up to 48 Monthsas low as 6.49%
Up to 63 Monthsas low as 6.99%
Up to 75 Months (loan minimum $15,000)as low as 7.24%
Up to 84 Months (loan minimum $25,000)as low as 7.99%
Used Cars, Trucks and Vans:
2018-2020 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)
as low as 7.99%
2018-2020 - Up to 84 Months (loan minimum is $25,000)
as low as 8.74%
2014-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 months)
as low as 8.24%8.87%
2014-2017 - Up to 84 Months (loan minimum is $25,000)
as low as 8.99%
2013 and older - Up to 63 Months
as low as 8.49%

Check out our unbeatable auto rates!

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Resources to help you find your new ride.


Find a great car with AutoSMART

AutoSMART and Emery Federal Credit Union is your one-stop shop for purchasing your next vehicle! Our partnership provides an easy and affordable way to shop.

With AutoSMART, you can:

  • Shop local dealership’s inventory: search vehicles by new or used, make, model, and vehicle type.
  • Shop from home: shop and compare vehicles without the hassle of driving around to dealerships.
  • Buy with confidence: with price comparison, know you are getting the best deal before going to the dealership.

Get pre-approved for your next auto loan and drive away with the perfect car for you and your family!
Start browsing now!


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