ECU Vehicle Loans and Financing

Auto, Motorcycle, Boat, RV Loans with Pre-Qualification

Vehicle Loan Options

Car? Truck? SUV? Drive the Ride of Your Dreams.

Make ECU your first stop for vehicle financing. Get the green light for shopping with pre-qualification before you head to the dealership and compare financing and rebate options with an ECU representative so you can choose the best deal at the dealership. Your dream car is waiting for you, and ECU is here to help.

Why finance with ECU?

  • Get pre-qualified before you shop

  • Easy online application

  • Competitive rates

  • Flexible terms

  • Friendly and local member service

  • Make payments through the mobile app

Drive Smarter with the lowest rates around.

Woman holding a phone at a car dealership
Woman holding a phone at a car dealership

New and Used Auto Loans

  • 100% financing available

  • Flexible terms up to 84 months on new and 72 months on used (Terms subject to credit approval)

  • Refinance an existing auto loan from another institution to potentially lower your rate and improve terms

New and Used Motorcycle Loans

  • Competitive rates

  • Flexible terms up to 84 months on new and 72 months on used (Terms subject to credit approval)

New and Used Boat and RV Loans

  • Competitive rates

  • Flexible terms up to 120 months on new and 84 months on used (Terms subject to credit approval)

Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. Contact an Education Credit Union representative for complete details at 806-358-7777.

Vehicle Loan Research

(Research Tools, Trade-In Value, Best Deal)

Get the edge you need in buying your new car

ECU has easy to use auto loan research tools and special member benefits. Know your trade-in value and strengthen your negotiating power before you shop so you can put yourself in the driver’s seat and lock in your best deal.

Auto loan research with ECU helps you:

  • Save money before you shop.

  • Determine your trade-in value before you visit the dealership.

  • Compare options so you can negotiate with confidence.

Talk to ECU before you buy to position yourself for the strongest deal on a new or used car loan. It’s easy and FREE!

Find the value of used vehicles through J.D. Power or Kelley Blue Book.

Buying, selling, or trading a car, truck, van, motor home, fifth-wheel or motorcycle?

Trust ECU’s vehicle pricing information!

Man test driving a car

CARFAX®

CARFAX® provides you with vital vehicle history information (salvage title, prior accidents, 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.

Figure a Payment

Use ECU’s financial calculators to estimate your loan payments and run the numbers before you commit. Compare scenarios, adjust terms and make a confident financing decision faster.

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