Auto Loans
We offer some of the lowest rates in the Amarillo area! Apply online now.
Auto Loans From ECU: Approval for the ride you want.
Auto Loans in Amarillo Now Available With Interest Rates as Low as 1.99% APR*, and no payment for 90 days.**
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Education Credit Union Locations
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WHO OFFERS THE LOWEST AUTO (CAR) LOAN RATES IN THE AMARILLO AREA?
Auto loan rate offers in the Amarillo area depend on the lender, the type of new or used vehicle loan and the borrower’s credit score. If you have an excellent credit score, you’ll typically get a lower interest rate on your car loan. Read more...*With approved credit. Rate based on creditworthiness. No other rate discounts available. Sample payment per $1,000 borrowed for 12 months at 1.99% APR=$84.24. Rates and conditions subject to change without notice. **Available May 2021 through September 2021. A, B, and C credit only. Interest will continue to accrue.
- Research Before You Buy
- Coverage
- ECU Vehicles for Sale
- Auto Loans
Find out the benefits of a new or used car loan from Education Credit Union
Do Better Auto Loan Research With Education Credit Union
It’s easy! It’s FREE!
- New and USED CAR INFORMATION is always available to members through ECU’s lobby computer and vehicle library.
Find the value of USED vehicles through National Automobile Dealers Association (your computer or ours) or use our NADA “Blue Book” - New, Used, and everything else check out Motor Trend.
Buying, selling or trading a car, truck, van, motor home, fifth wheel or motorcycle? Trust ECU’s vehicle pricing information!
This valuable service helps you save money and determine the value of your trade BEFORE YOU SHOP!
BE sure to TALK TO ECU BEFORE YOU BUY so you can negotiate your very best deal.
CARFAX® provides you with vital vehicle history information (salvage title, odometer rollback, manufacturers-lemon buy back and uncompleted recall repairs) about a used car or truck you’re considering buying. You can request your CARFAX® vehicle history report for free by clicking the link below.
Auto Loan Coverage Details
GAP
GAP covers the difference between your primary carrier insurance settlement and the payoff of your loan or lease, less the delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. For example, if your car is stolen or totaled vehicle, we offer this service for a flat rate of $450.00 while dealers charge a percentage of the loan amount. GAP protection will pay the difference between an insurance settlement and the payoff balance of your loan or lease.
Original Purchase: $20,000
Loan amount after one year: $18,000
Insurance Settlement: $15,000
GAP Pays: $3,000
TotalRestart-Auto Replacement Benefit
A benefit that will help protect you against vehicle rapid deprecation and gives you an opportunity for a fresh “Restart” if you experience a total loss on your vehicle. With TotalRestart you may be eligible for a credit when you return to ECU for financing of a replacement vehicle. This is an exclusive protection only available when you finance your vehicle loan with ECU.
Debt Protection Coverage
ECU’s Debt Protection Coverage protects your family in the event you become impaired and have trouble paying your loan. Most consumers do not carry enough life insurance to pay off all their debts. With our Debit Protection Coverage your loan debt could be waived when a qualifying event occurs.
Vehicle Extended Service Contracts
Put the brakes on expensive car repairs. A factory warranty may not be enough, plus most major repairs occur after the manufacturer’s warranty expires. Consider adding an extended service contract to your loan. Coverage obtained through the ECU may save you money when compared to dealer plans.
Available Features Include:
- Low Deductibles
- Roadside Assistance Reimbursement
- Car Rental
- Nationwide Protection
- Convenient Access to Services via Toll-Free Number
- Reimbursed Travel Expenses
- Increased Vehicle Resale Value
Why purchase an extended service contract?
Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer’s warranty has expired. In addition, it could help if you re-sell your vehicle. Pre-owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer decline the option to purchase your coverage, you can cancel and apply for a prorated refund.
How do you get an extended service contract?
Contact your ECU loan representative @ 806-358-7777 for more info.
Are you thinking about trading in your current vehicle for one that has better gas mileage? If so, click here to see if the fuel savings is cost effective for you and your family.
The U.S. Department of Energy (DOE) and U.S. Environmental Protection Agency (EPA) has published their 2014 Fuel Economy Guide. Click here for more information on fuel economy data for new and used passenger vehicles dating back to 1984, allows side-by-side vehicle comparisons, and offeres fuel-saving tips. Additionally, this Web site has information about the recently redesigned fuel economy label that goes on new motor vehicles beginning with the 2013 model year.
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Anyone Can Apply For A Car Loan
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Smart buying can help you meet your needs and reach your financial goals. ECU offers quick service and advice when you need it. ECU new or used vehicle loans offer a variety of rates and terms to fit your needs. Click here for current rate.
Get pre-approved. Pre-approval lets you know how much car you can afford and saves time when you find the one you want. Pre-approval helps you avoid purchasing based on “payment”. Click here to apply online.