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Auto Loans

Are you in the market to purchase a new or used vehicle? 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 or toll-free at 1.888.428.5080 and ask to speak with a loan representative. Your credit score will determine your rate, maximum loan amount, loan-to-value and term. We also offer loans on various recreational vehicles, such as RV's, boats, ATVs and motorcycles! All rates are subject to change.

Make sure to also inquire about Automotive Avenues! Automotive Avenues is Denver's largest credit union endorsed dealership - a level of trust they have earned by providing extraordinary service and pricing - far beyond that of a typical car dealership. Call and speak with our Automotive Avenues consultant, Michael Orris, today by calling 303.231.2642 or emailing him at michael.orris@autoaves.com.



Current variable rates (APR=Annual Percentage Rate) and terms on new and used vehicles -
(Rates quoted as of
04/01/2017
with approved credit):

Term:
24 Months
Term:
36 Months
Term:
48 Months
Term:
60 Months
Term:
72 Months
Term:
84 Months
A+
A
B
C
D
E
1.49%
1.99%
6.49%
7.49%
12.49%
15.49%

A+
A
B
C
D
E
1.99%
2.49%
6.99%
7.99%
12.99%
15.99%

A+
A
B
C
D
E
2.24%
2.74%
7.24%
8.24%
13.24%
16.24%

A+
A
B
C
D
E
2.99%
3.49%
7.99%
8.99%
13.99%
16.99%

A+
A
B
C
D
E
3.49%
3.99%
8.49%
9.49%
N/A
N/A

A+
A
B
C
D
E
4.24%
4.74%
9.24%
10.24%
N/A
N/A

          *Motorcycles/ATVs and snowmobiles will receive a 2% higher APR for all terms and scores
          *Vehicles which are older than 7 years will receive a rate that is 1% higher than stated above
          *Rates may also vary with vehicle LTV (loan to value)

Credit Scoring Chart:
A+= 720+/ A= 680-719/ B= 640-679/ C= 600-639/ D= 550-599/ E= 549 OR LESS



We will lend 100% of the NADA Retail Value plus sales taxes and warranty on A+, A and B Credit if the vehicle is 7 years old or newer, 100% of the NADA Retail Value minus sales taxes and warranty on C and D Credit if the vehicle is 7 years old or newer, and 90% of the NADA Retail Value minus sales taxes and warranty on E Credit.  We will only lend up to 90% of the NADA Retail Value on vehicles which are older than 7 years old. (With approved credit).



To find out more about your credit report or to get a free annual credit report: Click Here!


TruStageā„¢ Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStageā„¢ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-AD42

 

 





  
 
 
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Electrical Federal Credit Union  |  5080 West 60th Avenue  |  Arvada, CO 80003
www.electricalfcu.org  |  303.428.5080  |  1.888.428.5080   powered by Solution Link

 
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