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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.


(Rates quoted as of 11/01/2023 with approved credit/*APR= Annual Percentage Rate)

Save up to an additional 0.50% APR off the above rates on auto loans and signature loans with our Relationship Pricing.  See how!

*We also offer loans on motorcycles, ATVs, UTVs, snowmobiles, jet skis, trailers and boats!  Interest rates may vary based on credit score, loan to value, year of vehicle and type of vehicle and not all borrowers will qualify for the lowest rate. 

Auto Loans: For example, on a new or used auto loan for $20,000 at 6.74% APR for 60 months, you would make 60 payments of $394.00.
Recreational Vehicles: For example, on a new or used recreational vehicle loan for $45,000 at 9.39% APR for 120 months, you would make 120 payments of $580.00.

*All loans are subject to credit approval.  Advertised rates are subject to change without notice. Verification of income may be required. 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. 

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