跳转到主要内容
警告:节日期间的诈骗高峰 了解更多  //假期时间- 了解更多

汽车贷款

达到 $500 现金红利3 当你购买或再融资时 提及促销代码AUTO500

马上申请 得到预先批准 再融资

或打电话 1-

汽车贷款 感兴趣 率  4月  每月 付款 贷款期限 (个月)
新 & 使用2020 + 1.99% 1.99% $655.00 48
使用2018 - 2019 3.34% 3.57% $671.62 48
使用2016 - 2017 3.49% 3.72% $673.61 48
使用2014 - 2015 3.99% 4.22% $680.34 48

利率 effective December 1, 2021, subject to change without notice. 每个个人的年利率(4月)是由申请人的信用历史决定的. Not all applicants will qualify for the displayed lowest rate. A $140 processing free applies to all booked auto loan applications. 4月 calculation and example monthly payments in 汽车贷款利率表 为新 & 使用2020 + 模型 一年s based on loan amount of $30,000, FICO®得分800或更高, 期限为48个月. 4月计算和例子每月支付其他显示的模型年基于贷款金额$30,000, FICO®得分为730或更高, 期限为48个月. 率包括0.25% dedication for automated payment from an 元素 checking account. 附加条件可能适用. 以信贷审批为准. 支付 shown do not include taxes or 保险 premiums. 2013年及之前车型请来电咨询.

澳门新莆京游戏手机版 refinances subject to $200 refinance fee.

汽车贷款

贷款 available for both new and used vehicles.

关键特性

  • 利率低至1.4月99%1
  • Finance up to 120% of your car’s value including tax and license
  • 对购买新车或二手车有好处
  • 汽车贷款再融资2 也可用
  • 灵活的条款来满足你的预算

应用在几分钟内

  • Closings typically in as quick as one business day

得到预先批准

特别优惠的 澳门新莆京游戏手机版标志

达到 $500 现金红利3 当你购买或再融资时
汽车贷款 提及促销代码AUTO500

汽车贷款是如何运作的?

We will loan you the money for a new or used vehicle, and you will pay it back with interest over a specified period of time.

提前计划是好的 获得汽车贷款的预先批准. That way you can have a better idea of what price range you should be shopping for. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 120% of your car’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

We understand car shopping can be a bit overwhelming. 不要害怕! 澳门新莆京游戏手机版有 partnerships that can 使 the process easier for you.

开始

从元素而不是经销商那里获得我的汽车贷款有优势吗?

是的. 当你从元素获得你的汽车贷款, you’re working directly with the lender rather than going through a middleman. A dealer will take a fee for arranging the loan, so it will end up being more expensive than going through 元素.

我应该得到预先批准吗?

Thinking ahead is always a good plan when buying a vehicle. 申请汽车贷款 在你开始购物之前,你可以预先批准手头的融资. This way you also know what price range you’re shopping for. 

得到预先批准

元素能帮助人们购买汽车吗?

是的! 澳门新莆京游戏手机版有 several partnerships that can 使 car buying a breeze.

  • 首选的汽车经销商 -如果您想直接在停车场购物,请访问澳门新莆京游戏手机版的首选汽车经销商. 澳门新莆京游戏手机版已经与印第安纳波利斯的汽车经销商合作,为您带来极好的交易和伟大的利率, 以及无与伦比的服务. 了解更多.
  • 汽车销售企业 - 你知道在企业汽车销售公司买车和从别人那里买车是不同的吗? 企业拥有超过250种型号和型号,所以你可以找到你正在寻找的东西. 了解更多.
  • 汽车购买服务 - The mission of Members 汽车 Source is to provide a professional, 无痛, and cost-effective way to purchase or lease a new or pre-owned vehicle. 他们的目标是为您提供所有可用的信息,以便做出最佳的购买决定. 了解更多.

费用是多少??

There are no prepayment penalties or an annual fee associated with an auto loan.

元素 auto loans include a low $140 processing fee. 对现有的元素汽车贷款进行再融资,也需要额外支付200美元的费用,具体取决于贷款金额. 您的元素贷款专家将提供有关您是否有资格获得这些费用减免的信息.

How do I get the funds once my loan is approved?

如果得到批准, 资金将通过电子转账或支票直接提供给经销商或卖家.

元素是否提供延长担保或其他贷款或资产保障?

是的. 作为你的财务健康提供者, 澳门新莆京游戏手机版想确保你的安全, 不管发生什么事. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

为了保护您的购买, 以下是你可以选择的方案,可以包含在你的月供中:

  • 机械故障保护(MBP), 也被称为延长保修, 汽车保护是否超出了制造商的工厂保修范围,包括意外机械故障的维修. For the period of time the contract is in effect, 您可以放心,在发生故障时,您的车辆覆盖的部件将得到修理. This includes labor, subject to any applicable deductible. 了解更多.
  • 保证自动保护(GAP) 保护措施是为了在你的车辆被盗或损坏无法修理的情况下,消除你未付的净贷款或租赁余额吗. 了解更多.
  • 债的保全 protects your credit rating during uncertain and stressful times. 你的贷款付款将被取消或暂停一段时间,没有罚款, 添加兴趣, or being reported as delinquent to the credit bureau when a covered event occurs. 包括死亡、残疾、非自愿失业、探亲假和住院. 了解更多.

为什么我应该去元素为我的汽车贷款?

澳门新莆京游戏手机版,只是更好!

更好的利率. 更少的费用.

因为澳门新莆京游戏手机版是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄利率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家将会来到你的工作场所,为你解答问题,并为你在人生每个阶段的变化中导航提供一对一的帮助.

尊重当地. 在全球范围内访问.

自1930年以来,澳门新莆京游戏手机版的总部设在印第安纳波利斯,在全国信用合作社中排名前3%4. We serve members in all 50 states and 50+ countries. 您将在全国范围内使用5000多家共享网点,在全球范围内使用78000多台免收附加费的atm机.

高科技. 人类接触.

Our technology 使s banking with 元素 easy. 从快速的数字应用程序到在线和手机银行,无论您走到哪里,澳门新莆京游戏手机版都会在您身边. 澳门新莆京游戏手机版在这里为您提供24/7的会员服务,并在工作日期间实时聊天.

开始

如何申请?

3个简单的步骤

  1. 在线申请 - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1- 开始. 准备好你的政府签发的身份证(驾驶执照,身份证或护照)了吗 住所证明.
  2. 接澳门新莆京游戏手机版的电话 - 澳门新莆京游戏手机版将在您提交申请后的一个工作日内与您澳门新莆京手机网站,审阅澳门新莆京游戏手机版需要的文件,并回答您的问题. 澳门新莆京游戏手机版还会询问你的车的价值, 使, 模型, 一年, 里程, 和VIN(如申请中未提供).
  3. 就是这样! - 澳门新莆京游戏手机版会在内部通知你决定 1个工作日. 一旦你的申请被批准, we’ll contact you to sign documents and your loan will be complete!

马上申请

Read more frequently asked questions about auto loans…

If I have bad credit, can I qualify for an auto loan?

Actually, there are several definitions of "good credit." So if you've had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. 这样做没有成本, 澳门新莆京游戏手机版的贷款工作人员将与您一起寻找方法,使您的贷款申请获得批准.

What 保险 requirements do you have for auto loans?

When you have an 汽车贷款 with 澳门新莆京游戏手机版, 您必须承担全部保险,包括全面和碰撞的价值的贷款. 元素提供一个数组 保险 当您在澳门新莆京游戏手机版处贷款时,您也可以在澳门新莆京游戏手机版处为您的车辆投保. 得到一个 免费的在线报价 来自五洲金融保险集团. 该应用程序是免费的,可以全天候使用,并且可以在任何有互联网接入的地方访问. If you would rather apply in person, then come on into a 分支 方便你! 澳门新莆京游戏手机版友好的金融健康专家在这里,以任何方式,他们可以帮助您. 或者你可以打电话给澳门新莆京游戏手机版 1- if you would like to discuss further options before applying. 

How long will it take to receive my vehicle title after I pay off my 汽车贷款?

If your loan is paid off with guaranteed funds (现金ier's check, 现金, 或新的贷款收益)留置权卡或头衔将尽快邮寄给适当的一方. 如果贷款是用个人支票支付的, we will wait 10 business days before we release the lien card or title.

We started with just the credit card and savings accounts, but now we also have our checking and both of our cars financed through 元素. I don’t think we could go back to working with a normal bank again.

布兰登-年代. | 2017年会员

我的自动付款是什么?

汽车贷款计算器

结果

  1. 1 利率 effective December 1, 2021, subject to change without notice. 每个个人的年利率(4月)由骏利保险的承保标准决定. 率 may vary depending on credit history, vehicle 模型 一年, and loan term. Not all applicants will qualify for the displayed lowest rate. 促销价格含1元.在交易结束时自动从element支票账户中扣除25%的付款. 第一次付款从贷款资金90天到期. 4月 calculation and estimated monthly payment of $653.71基于贷款金额30美元,000, FICO®得分为730或更高, 48个月, and the loan being a purchase or non-澳门新莆京游戏手机版 auto loan refinance. 付款 shown does not include taxes or 保险 premiums. 附加条件可能适用. 以信贷审批为准. Offer available for auto loans closed October 29 - November 14, 2021. 第三方再融资供应商的交易不符合当前优惠利率. FICO评分低于640分,不符合促销率或90天内首次付款. 
  2. 2 澳门新莆京游戏手机版 refinances subject to $200 refinance fee.
  3. 3 汽车贷款 Related Maximum $500 现金红利 Offer -要求关闭汽车贷款与自动付款的元素支票帐户在关闭时设置, 开始自动付款, 及在申请时提交适用的优惠码-将按贷款总额的1%计算,上限为500元.将00元一次性红利存入元朗支票帐户,用于自动付款. If automated payments from the 元素 检查 Account are discontinued, 澳门新莆京游戏手机版保留从支票账户余额中扣除奖金的权利. 不支持金融再融资和第三方汽车贷款交易.  /  Offer subject to credit approval and may be taxable. 元素 reserves the right to amend or discontinue offers at any time. 附加条款和条件可能适用. Please allow 4-6 weeks after qualifications are met for receipt of the bonus. 产品优惠不能与同一产品的其他促销优惠合并使用. 每户一份.
  4. 4 基于截至2020年1月31日的资产规模