Auto Loan

Choose the loan and car that fits your lifestyle while getting low rates and great member service.

Auto Loan Options

Auto Loans

We have loan options for your new or used auto. Need to refinance your current auto loan? We have you covered there too.

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Calculator

Find what monthly payment and loan term you want by using our interactive calculator.

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Find a Car

Still looking for your car? Our partnerships can help you find the ride you need.

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Recreational Loans

If you’re looking for a boat, motorcycle or other recreational vehicle, we have loan options for you.

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What will my

monthly payment be?

Want to see how much your monthly payment will be? Enter your information below!

Auto Rates

	Rate	APR as low as
New Cars, Trucks and Vans (2022 and Newer)
Up to 48 Months	as low as *5.49%*	*6.89%*
Up to 63 Months	as low as *5.99%*	*7.08%*
Up to 75 Months (loan minimum $15,000)	as low as 6.24%	*6.85%*
Up to 84 Months (loan minimum $25,000)	as low as *6.99%*	*7.32%*
Used Cars, Trucks and Vans:
2018-2021 - Up to 75 Months ($15,000 loan minimum for 61-75 mos.)	as low as *7.49%*	*8.11%*
2018-2021 - Up to 84 Months (loan minimum is $25,000)	as low as 8.24%	*8.58%*
2014-2017 - Up to 75 Months ($15,000 loan minimum for 61-75 months)	as low as *7.74%*	*8.36%*
2014-2017 - Up to 84 Months (loan minimum is $25,000)	as low as *8.49%*	*8.83%*
2013 and older - Up to 63 Months	as low as *7.99%*	*9.10%*

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!
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