Love What You Drive
Buy, refinance, or upgrade with an auto loan that fits your budget and your life.
APPLY for an auto loan NOW
Get Where Life Needs You To Go
Your vehicle is part of your everyday life. It gets you to work, school drop-offs, practices, grocery runs, appointments, canyon drives, weekend plans, and the places that matter most. You might need room for groceries, sports gear, car seats, golf clubs, or simply something that feels like a better fit for your life right now.
Whether you are buying your first vehicle, upgrading for more room, or refinancing the one already in your driveway, Elevate can help you explore options that fit your needs, your plans, and your everyday life.
Continue below to estimate your payment, compare options, or get started when you are ready.
- Flexible Terms up to 84 Months
- Financing for new, used, and refinance loans
- GAP insurance and extended warranty options
Start With a Vehicle That Fits Your Budget
Every vehicle decision starts in a different place. Whether you are still shopping, already found the right vehicle, or wondering if refinancing could help, these tools can give you a clearer starting point.
First Payment Up to 60 Days Later
When you finance an eligible vehicle with Elevate Credit Union, you may be able to schedule your first payment up to 60 days later. It is one more way to give your budget a little breathing room as you get settled into your new ride.
Available on approved credit for eligible auto loans. The first payment date and loan terms are based on loan approval, the funding date, and the final loan documents. Other restrictions may apply.
Find a Vehicle Price Range That Fits Your Budget
Start with your monthly budget, down payment, loan term, and rate to estimate a comfortable price range before you shop.
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Explore Auto Refinance Options
Compare your current payment with an estimated new payment to see whether refinancing an eligible vehicle may be a good fit for your budget.
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Estimate Your Auto Loan Payment
Have a vehicle or loan amount in mind? Use this calculator to estimate your monthly auto loan payment and see how different loan details may affect your budget.
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| AGE OF VEHICLE | TERM MONTHS | BENEFITS | APR* AS LOW AS |
|---|---|---|---|
| 2016-2026 | 36 | LOWEST RATE. No payment for 60 days | 4.24% |
| 2016-2026 | 48 | No payment for 60 days | 4.49% |
| 2016-2026 | 66 | No payment for 60 days | 4.74% |
| 2016-2026 | 72 | $12,000 or more. No payment for 60 days | 4.99% |
| 2016-2026 | 84 | $25,000 or more. No payment for 60 days | 5.74% |
| 2011-2015 | 60 | No payment for 60 days | 6.24% |
| 2010 & Older | 48 | No payment for 60 days | 8.49% |
*TERMS & CONDITIONS: APR = Annual Percentage Rate. Rates as low as 4.74% APR for up to 66 months, based on creditworthiness. | Other rates and terms available. | No payments required for the first 60 days; interest accrues from the date of funding. | Offer subject to change. Membership required. | Restrictions may apply.
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Auto Loan FAQs
Have questions before you apply? These answers can help you better understand auto loan options, refinancing, payments, and what to expect when financing a vehicle with Elevate.
Yes. You do not have to be a current Elevate Credit Union member to apply for an auto loan. If your loan is approved, becoming a member will be part of the loan process. You will need to know your Social Security number, provide proof of address if you have recently moved, and confirm that you meet Elevate’s field-of-membership requirements.
Yes. Elevate offers financing options for new and used vehicles, as well as eligible auto loan refinances. Rates, terms, approval, and available options depend on creditworthiness, vehicle eligibility, and final loan terms.
Not sure where to start? Our friendly Elevate team is happy to answer your questions, explain your options, and help you feel comfortable with the next step.
And remember, you do not have to figure it out alone. Our friendly Elevate team is here to answer questions, explain your options, and help you feel confident before you move forward.
To apply, you will need basic contact information, income information, employment details, recent pay stubs, and vehicle information, including the VIN if you have already chosen a vehicle.
Still looking for the right vehicle? No problem. You can apply for pre-approval first, which can help you understand your financing options and shop with more confidence.
Yes. You can pay your Elevate Credit Union auto loan up to 3 months ahead.
Yes. Elevate Credit Union may finance vehicles with branded or rebuilt titles for up to 80% of the vehicle’s value. The vehicle must be rebuilt and in a drivable condition. Elevate does not finance vehicles with salvage titles that have not been rebuilt. Approval, loan amount, and terms may vary based on the vehicle and the borrower’s qualifications.
Ask Simon, our AI bot a question 24/7 by clicking the "Live Chat" button in the lower right corner, or speak with one of our Elevate Team anytime during our business hours by doing the same. Or, fill out this brief form and we will get back with you. We are here to help and answer your questions!