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America's Christian CU
America's Christian Credit Union

Electric Vehicle 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.

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

Today's Rate - Valid 11/27/2022
Electric Vehicle Loan - 36 Months
As Low As
4.74%
APR1

Is now a good time to get an electric vehicle?

Auto rates are low and right now dealers are offering great incentives on new vehicles. Our low-rate electric vehicle (EV) loans are great for both new and used vehicles. We also offer EV 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.

Electric Vehicle Loan Features:

  • Fixed auto loan interest rates as low as 4.74% 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 available
  • Debt Protection Services available
  • First payment deferral up to 90 days4
  • Up to two Skip-a-Payments per year

Electric Vehicle 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 $25,000
  • 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
As a member of America’s Christian Credit Union, you have access to some of the best auto loan rates around as well as Autoland’s premier car buying service. Save time and money by letting Autoland find your next car, negotiate the price, and secure all manufacturer incentives.
  • Start your search online, by phone, or in person by clicking here
  • Autoland Does The Work: They will locate your vehicle and secure all available incentives, while providing a haggle-free competitive price
  • Contactless Delivery to Your Location: We will deliver your car right to ACCU’s headquarters, your home, or your office
  • Drive Happy: Enjoy your ride!
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 $25,000
  • 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
As a member of America’s Christian Credit Union, you have access to some of the best auto loan rates around as well as Autoland’s premier car buying service. Save time and money by letting Autoland find your next car, negotiate the price, and secure all manufacturer incentives.
  • Start your search online, by phone, or in person by clicking here
  • Autoland Does The Work: They will locate your vehicle and secure all available incentives, while providing a haggle-free competitive price
  • Contactless Delivery to Your Location: We will deliver your car right to ACCU’s headquarters, your home, or your office
  • Drive Happy: Enjoy your ride!
Autoland Car Buying Service

As a member of America’s Christian Credit Union, you have access to some of the best auto loan rates around as well as Autoland’s premier car buying service. Save time and money by letting Autoland find your next car, negotiate the price, and secure all manufacturer incentives.

Here’s how it works:

  1. Start Your Search: Online, by phone, or in person
  2. Autoland Does The Work: They will locate your vehicle and secure all available incentives, while providing a haggle-free competitive price
  3. Contactless Delivery to Your Location: We will deliver your car right to ACCU’s headquarters, your home, or your office
  4. Drive Happy: Enjoy your ride!

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!
Electric Vehicle Loan Frequently Asked Questions

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

You don’t need to be a member to start an electric vehicle 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 an electric vehicle loan?

Refinancing your electric vehicle 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), but don’t worry, we can help! Our Refinance Tool will quickly pull in most of the information we need in a matter of minutes. If you like what you see and are ready to refinance, just click refinance, and we will pull your credit file and complete the process.  A loan officer will be in contact with you to provide your final loan documents.

What kind of credit score do you need to get an electric vehicle 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 $500 loan with a term of 36 months at 4.74% is approximately $29.85 per month 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.