AUTO LOANS
With some of the most competitive credit union auto loan rates in Colorado, EFCU can help you with your purchase. Simply call us at 303.428.5080 and ask to speak with a loan representative or you can apply online by clicking on the button above. Your credit score and vehicle value and year of vehicle will determine your rate, maximum loan amount and term. We also offer loans on various recreational vehicles, such as RV's, trailers, boats, ATVs and motorcycles! Don't forget, you can also use the equity in your current vehicle to take out a loan for home improvements, debt consolidation, vacations and more!
We also offer various loan insurance products: GAP Insurance with Deductible Assistance, Credit Life and Disability & Mechanical Repair Coverage.
CURRENT RATES (APR) AND TERMS ON NEW AND USED VEHICLES
Rate Information: APR (%) = Annual Percentage Rate
Rates quoted as of 03/01/2026
New/Used Auto Purchase | Rate as low as | New/Used Auto Refinance*** | Rate (APR)* as low as |
|---|---|---|---|
Up to 24 months | 3.49% | Up to 24 Months | 2.49% |
36 Months | 3.99% | 36 Months | 2.99% |
48 months | 4.24% | 48 Months | 3.24% |
60 Months | 4.99% | 60 Months | 3.99% |
72 Months | 5.49% | 72 Months | 4.49% |
84 Months | 6.24% | 84 Months | 5.24% |
RV Purchase- $60K+ up to 120 Months | 6.74% | RV Refinance- $60K+ up to 120 Months | 5.74% |
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR.
New/Used Auto Refinance is strictly for refinancing a new or used vehicle to EFCU from another financial institution. We will also refinance RVs, trailers, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR.
All loans are subject to credit approval. Advertised rates are subject to change without notice. Verification of income may be required. The rate you pay depends upon your credit history, term, LTV, year and type of vehicle, and not all borrowers will qualify for the lowest rate. Must be 18 years of age to qualify for a loan. Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. Rate (APR) = Annual Percentage Rate
Auto loan purchase payment examples:
$20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00
RV payment example:
$75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Auto loan refinance payment examples:
$20,000 at 3.99% APR for 60 months, you would make 60 payments of $369.00
RV payment example:
$75,000 at 5.74% APR for 120 months, you would make 120 payments of $824.00.
Save up to an additional 0.50% APR on auto loans and signature loans with our Relationship Pricing. See how!