Vehicle Loans

ACU Auto Loans provide flexibility and a range of terms to buy your choice of new or used car, truck or motorcycle.

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A happy young couple is in their car bought with an auto loan.

Why Choose ACU for Your Truck, Motorcycle, or Auto Loans

All our members can take advantage of competitive rates and flexible terms – plus you can get a rate discount if you’re an active-duty servicemember or Veteran, or if you sign up for Automatic Payment or Debt Protection.

Benefits of ACU Loans

Competitive APR

We can offer lower rates because we pass revenue back to members.

Range of Terms

Our auto loans suit every budget with terms from 36 to 84 months.

Rate Discounts

Get a 0.75% discount for autopay from ACU account with direct deposit equal to, or greater than, loan payment.


Our Vehicle Loan Application Process Is Simple and Secure!

Step 1 Apply OnlineEnter your details into our quick and easy online application portal.
Step 2 Agree to TermsIf approved, we’ll offer you a loan amount and rate for your preferred term.
Step 3 Find Your Vehicle!We can write you a check or transfer the funds so you can get a great deal!

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Auto Loan FAQ

What vehicles can I buy with ACU auto loans?

You can buy new or used vehicles. New auto loans are for current model years or newer with 5000 miles or less. Used auto loans are for the previous model year or older with over 5000 miles.

We also offer vehicle loans for motorcycles and RVs, including motorhomes, boats, and travel trailers.

How much can I borrow and how long do I get to pay it back?

We offer different loan amounts for different terms:

  • You can borrow a minimum of $10,000 for 61 to 72 months.
  • You can borrow a minimum of $20,000 for 73 to 84 months.

What rate will I get for my vehicle loan?

We offer you an annual percentage rate (APR) based on your financial situation, including your credit score and debt-to-income ratio. If needed, we can help you improve your credit before you apply for your auto loan or any other financing.

  • Higher credit scores get lower rates.
  • Shorter loan terms get lower rates.
View Our Auto Loan Rates

How much will my payment be?

You can use our auto loan calculator to see how purchase price and interest rate can impact your monthly payment. Just enter your estimated figures into the calculator to find an affordable payment for your budget!

What is the auto loan First-Time Buyer program?

This program means we can offer loans to members who may not have an established financial history yet. We will take a look at your overall situation instead of just seeing you as a number.

Are there rate discounts available?

ACU offers the following rate discounts for vehicle loans:

0.50% for Active-Duty Military, Military Veterans, and First-Responders
0.25% for Debt Protection
0.50% for External ACH Payment
0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
Max aggregate discount allowed = 1.50%



Get in Touch With ACU Today


More ACU Auto Loan Tools for You

Auto Concierge Service

Save time and hassle finding your next car. Simply schedule an appointment to discuss your needs and an expert will find the car for you. Then you get to test drive the vehicle, pick up, and go!

Learn More

Auto Loan Calculators

Use our calculators to find out how much car you can afford and what your payment is likely to be based on purchase price. You can also explore rebates v.s low-cost financing or see the benefits of faster payments.
Learn More

Auto Loan Protection

We’ve got you covered with GAP insurance, Major Mechanical Protection (MMP), or Member’s Choice Borrower Security so you won’t need to worry about your payments if something unexpected happens.
Learn More


What Our Members Have to Say


“I had a wonderful experience with ACU when I was acquiring a loan for a car. I worked with an agent named Miranda Moreno whom I highly recommend as a contact. She was absolutely wonderful! Gave me the best rates and worked through several issues so that I got the best deal on my car. Excellent customer service.”

-Beth K.
4 friends on a mountain top