Vehicle Loans
At Eagle One, we take great pride in our competitive auto loan rates. Whether you are buying new or used, we offer great benefits for financing:
Cars, Trucks, Vans and SUVs
Motorcycles
RVs / Motorhomes
Manufactured & Modular Homes
We'll Beat Any Rate
Need to Refinance? Bring your loan over to us and we'll take care of you!
We are pleased to inform you of one of the greatest aspects of our Auto Financing Program! Eagle One will meet or beat any rate by .50% APR* from another financial institution or dealership for any vehicle type listed above. Some restrictions may apply.
Need to Refinance? Bring your loan over to us and we'll take care of you!
No Payments for 60 Days
We like to give you a little something special for financing with us. New or used vehicle loans get 60 days free of payments. Drive now, pay later. Some exclusions could apply on this promotion.
Looking for an estimate on how much an auto loan payment would be?
Use our free and fast calculators located here!* @aria-label: here for calculators
*Calculators The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made. This does not guarantee any rate.
| Term | APR* as low as |
|---|---|
| 36 Month | 5.75% |
| 48 Month | 6.25% |
| 60 Month | 6.50% |
| 72 Month | 7.75% |
| 84 Month (New Cars Only) | 8.00% |
Effective July 19, 2024
* APR = Annual Percentage Rate. All rates are subject to change based on market conditions, borrower eligibility, underwriting factors and year of vehicle. Offer of credit is subject to credit approval. Other rates and terms available. Consult a tax advisor regarding the deductibility of interest.
| Term | APR* as low as |
|---|---|
| 36 Month | 7.25% |
| 48 Month | 7.75% |
| 60 Month | 8.00% |
| 72 Month | 9.25% |
| 84 Month | 9.50% |
Effective October July 19, 2024
* APR = Annual Percentage Rate. All rates are subject to change based on market conditions, borrower eligibility, underwriting factors and year of vehicle. Offer of credit is subject to credit approval. Other rates and terms available. Consult a tax advisor regarding the deductibility of interest.
| Term | APR* as low as |
|---|---|
| 36 Month | 7.25% |
| 48 Month | 7.75% |
| 60 Month | 8.00% |
| 72 Month | 9.25 % |
| 84 Month | 9.50 % |
Effective July 19, 2024
* APR = Annual Percentage Rate. All rates are subject to change based on market conditions, borrower eligibility, underwriting factors and year of vehicle. Offer of credit is subject to credit approval. Other rates and terms available. Consult a tax advisor regarding the deductibility of interest.
Extra Services & Benefits
Need some help car shopping? Check out our Buying Tips! @aria-label: car buying tips
SIRIUS XM RADIO
Get 3 free months of Sirius XM Radio when you finance your vehicle with us. The vehicle must have Sirius capability. With an all-access trial subscription, you will be able to listen to over 150 channels of commercial free music, sports, talk and comedy! No obligation is required, this is a totally free, extra benefit to you!
GUARANTEED ASSET PROTECTION (GAP) with PLUS Protection
GAP is an additional product that can be added to an Auto Loan upon a member's request or when Eagle One FCU is financing 100% or more of the vehicles book value. The cost to add GAP protection is a one-time fee of $400 which can be added to the amount being financed. This protection covers the "gap" between the amount in which your insurance coverage will pay if your car is totaled or stolen and the balance of your auto loan.
You may be entitled to the PLUS Protection benefit if there is a Total Loss or Theft Loss and you finance replacement vehicle with Eagle one FCU within 120 days of settlement check being issued to Eagle One FCU. Skip a Payments on an auto loan including GAP protection can only be skipped twice the length of the loan.
| Example: | |
|---|---|
| Auto Loan | $25,000 |
| Loan Balance (after one year) | $20,580 |
| Car's actual value at the time of loss | $19,000 |
| Insurance deductible | $500 |
| Amount insurance company pays | $18,500 |
| GAP (Loan Balance minus insurance payment) | $2,080 |
Without Gap Insurance, the difference between the auto loan balance and the insurance payment would be your responsibility to pay.
Other Perks:
SIRIUS XM RADIO
We are offering a free 3 month trial of Sirius XM Radio to qualified vehicles. There is no charge to the member, it is a little something extra for financing with us! Speak with your loan officer at the time of your application if you are interested.
FREE CARFAX
We're giving something back to you, just for applying for one of our auto loans. Each auto loan application is awarded one free CarFax, a thorough report on the history of a used vehicle. Just another added value that's part of our Auto Loan Program.
E-SIGN
Save a trip to the branch and close your loan electronically! Be sure to put your current email address on your loan application. When approved, your loan officer will email you the documents for digital signature.
WARRANTIES
Eagle One FCU offers warranties through Route 66. These warranties can cost up to 60% less than purchasing a warranty through the dealership.
There is no deductible on parts or labor.
Members pay for fluids, filters, and sales tax.
Members can choose their repair shop.
The service agreement is transferable, meaning if you sell the protected vehicle, the new owner will benefit from the warranty.
If members purchase the warranty at the same time they finance their vehicle with Eagle One, the cost of the warranty can be rolled into the loan.
Get pre-approved today and shop with confidence! Contact a loan officer if you have any questions!
*APR=Annual Percentage Rate
