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America's Christian CU
America's Christian Credit Union
Auto Loan

New | Used | Refinance

Whether you’re shopping for a car, truck, SUV, van or crossover - new or used - ACCU can help tailor a loan solution that will fit your needs and budget.


No Car Payments Until 2022!*

We are dedicated to helping you become a good financial steward. The first step is to look for ways to save on your monthly expenses. A car loan can be a huge expense each month. America’s Christian Credit Union (ACCU) offers low-rate auto refinances for our members. If you have a car financed with another bank or credit union, we want to refinance your auto loan lower than your current interest rate. Not sure how much you will save? Our auto loan calculator can help you find out  how much you can save with a low-rate auto loan from ACCU.

Use Promo Code “REFI21” When Applying

* – 90-days no payments: Interest will continue to accrue during this period. Applicant must use promo code REFI21 when submitting the application to qualify. Ask loan officer before funding. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 60, 72, or 84 monthly payments). Current ACCU loans not eligible for promotion. Application must be submitted by December 31, 2021. APR = Annual Percentage Rate. Offer valid through December 31, 2021. Applicant must use promo code REFI21 when submitting the application to qualify. Consumer auto loans only. Loans subject to credit approval. Not all applicants will qualify. APR quoted assumes a rate discount of 0.50% for ACH/automatic payment is utilized and remains intact for the life of the loan. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Floor rate is 1.99% APR for a new vehicle or a used vehicle. Loan amount must be at least $5,000 to be eligible for this offer. The 1.99% APR is available on terms up to 36 months. 

Get started today on your next low-rate (new or used) auto loan!

Today's Rate - Valid 12/07/2021
New and Used Auto Loans
As Low As
1.99%
APR1

Is now a good time to get a car?

Auto rates are low and right now dealers are offering great incentives on new vehicles. Our low-rate auto loans are great for both new and used vehicles. We also offer auto loan refinancing options (for non ACCU loans). We would be honored to pray over you, walk you through our personalized loan process, and equip you for your next auto purchase – and the many adventures and memories ahead.

Auto Loan Features:

  • Fixed auto loan interest rates as low as 1.99% APR1
  • Terms up to 84 months (7 Years)
  • Pre-Approvals for additional buying power
  • 0.50% rate discount with automatic payments
  • Up to 100% financing, including tax & license (new vehicle)2 & up to 100% financing of Kelley Blue Book® Value (used auto)3
  • Discounted GAP coverage & Mechanical Breakdown Insurance available
  • Debt Protection Services Available
  • First Payment deferral up to 90 days4
  • Up to two Skip-a-Payments per year

Auto Loan Payment Calculator

The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.

Additional Auto Loan Programs
We understand that getting started on the right foot is essential. Whether that is building your credit with our available first-time buyer’s program or getting the right vehicle at the right price – we have you covered. In addition to our wide variety of financing terms and pre-approval program, ACCU membership includes access to exclusive discounts auto buying programs.
Our First Time Car Buyer Program is designed for young adults with limited credit history. You may find it difficult to find loan approval at many financial institutions, but America's Christian Credit Union is committed to helping you gain your financial footing.
  • No credit history required
  • Must have independent means of repaying the auto loan or a qualified co-signer
  • Maximum loan amount is $15,000
  • Personalized guidance through every step
Auto Buying Discount through TrueCars
  • No-haggle car buying discount service
  • No restrictions on makes or models
  • Driven by local dealer participation
Auto Buying Discount through Enterprise Car Sales
  • No-haggle
  • Thousands of makes and models
  • 109 Point Inspection by an independent, Certified ASE Technician
  • 7 Day Repurchase Policy and 12/12 Limited Powertrain Warranty
Our First Time Car Buyer Program is designed for young adults with limited credit history. You may find it difficult to find loan approval at many financial institutions, but America's Christian Credit Union is committed to helping you gain your financial footing.
  • No credit history required
  • Must have independent means of repaying the auto loan or a qualified co-signer
  • Maximum loan amount is $15,000
  • Personalized guidance through every step
Auto Buying Discount through TrueCars
  • No-haggle car buying discount service
  • No restrictions on makes or models
  • Driven by local dealer participation
Auto Buying Discount through Enterprise Car Sales
  • No-haggle
  • Thousands of makes and models
  • 109 Point Inspection by an independent, Certified ASE Technician
  • 7 Day Repurchase Policy and 12/12 Limited Powertrain Warranty
Financing with Christian Values
Reliability is essential — especially when it comes to your and your passengers’ safety on the road. Whether you’re taking the kids to school, or finally taking off on that long-awaited cross-country road trip, you need a vehicle in good working order. Let us help!
Auto Loan Frequently Asked Questions

Do I need to be an America’s Christian Credit Union member to apply for an auto loan?

You don’t need to be a member to start an auto loan application. However, you’ll need to qualify for and complete membership to finish the process. We are all about a life-long relationship – and there are discounts for automatic payments through our checking accounts – so if you want to get membership started first (it’s quick and easy), you can do so here.

How do I refinance a car loan?

Refinancing your car is an easy way to lower your car loan interest rate and monthly payments. You’ll need the right information and documents (car mileage, VIN, current car loan numbers, driver’s license, and income verification), then we’ll take it from there.

We will need to check your credit history and then let you know whether you qualify for a lower interest rate or lower your payment (depending on your goals). If you do, they’ll work with you to run the numbers and set your new loan term to a lower monthly car payment. Schedule a consultation with one of our loan officers to discuss available refinance options.

What kind of credit score do you need to get a car loan?

The credit score you need to get an auto loan depends on the lender, but the average borrower will need a score in the low 700s for a new car loan and mid-600s for a used car loan. Our minimum score to approve an auto loan is 640. Your exact rate will be set based on several factors, in addition to your credit score.

However, credit history (credit score) is one of the main factors that lenders consider to determine auto loan approval. It shows them whether the borrower is high or low risk. Most financial institutions will look at the borrower’s industry-specific auto FICO® Score and their base FICO® Score from the one (or all three) consumer credit reporting bureaus: Equifax®, Experian®, and TransUnion®. ACCU uses Experian® as our bureau of record.

A borrower’s credit score doesn’t just determine car loan approval and the available rate and term; it also affects the interest rate the borrower is given. While it’s possible to find car loan interest rates between 0–2% on new car loans, borrowers will require a credit score of 700 or higher and generally forfeit any rebates offered by a factory – so that may be needed to be taken into consideration as part of the overall auto expense. Additionally, while a borrower may find an auto loan lender willing to accept an average (mid-600s) or low lower than our minimum fico of 640, the borrower’s interest rate will likely be two to five times higher (we have seen up to 24%) than those with average or excellent credit.

1 – APR = Annual percentage rate. Loans on approved credit. Actual APR based on creditworthiness. Not all applicants will qualify or qualify for the lowest rate. See current rates and terms. Membership required–based on eligibility. “As low as” rate at each loan includes a 0.50% discount for ACH/automatic payments. Actual payment depends on the term chosen. For example, a $30,000 loan with a term of 36 months at 1.99% is approximately $30.97 per $1,000 borrowed; 84 months at 3.25% is approximately $119.40 per $1,000 borrowed. Actual payment will vary based on the total amount financed. A one-time $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR. Must qualify for membership. A $2.00 membership fee may apply.

2 – A new auto is considered to be a vehicle whose model year is up to one year older than the current calendar year or newer.

3 – A used auto is considered to be a vehicle whose model year is more than one year older than the current calendar year. Used vehicles are subject to Kelley Blue Book®’s valuation.

4 – 90-days no payments: Must be requested by borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 36, 48, 60, 72 or 84 monthly payments). Current ACCU loans not eligible for promotion.

5 – A first-time auto buyer is considered an individual who has not had a previous car loan (as indicated on their credit report). Not all applicants will qualify, or, qualify individually, and may require a co-signer.