Skip to main content

Auto Loan

Rates as low as 6.04 % APR1 当你购买或再融资一辆新车或二手车2

Apply Now Get Preapproved Refinance

Or call 1-800-621-2105

Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2023+ 6.04% 6.04% $710.43 48
Used 2021-2022 6.19% 6.19% $712.59 48
Used 2019-2020 6.69% 6.69% $719.49 48
Used 2017-2018 7.44% 7.44% $730.02 48

价格自2024年6月7日起生效,如有变动,恕不另行通知. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. 并不是所有的申请人都有资格获得显示的最低费率. Promotional rate includes 1.00% reduction for automated payments from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. 第一次付款到期90天,从贷款资金. 年利率计算和估计每月支付710美元.43 based on loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-Elements Financial auto loan refinance. 所显示的付款不包括税金或保险费. 附加条件可能适用. Subject to credit approval. 汽车贷款于2024年6月7日至6月24日关闭. Third-party refinance vendor transactions are not eligible for current promo rate. 要素金融再融资需支付200美元的再融资费. FICO score less than 640 not eligible for promotional rate or 90 days to first payment. 元素可以在任何时候结束报价. Rates subject to change.

Auto Loan

新车和二手车均可贷款.

KEY FEATURES

  • 限时汽车贷款优惠-利率低至6.04% APR1 with 90天内无需付款,也无需结算费用. Apply now through June 24.
  • 贷款高达汽车价值的120%,包括税和执照
  • 对购买新车或二手车有利
  • Auto loan refinancing2 also available
  • 灵活的条款,以满足您的预算
  • Various 贷款和资产保护计划

APPLY IN MINUTES

  • 通常在一个工作日内就能关闭

Get Preapproved

Special Offer from logo for Elements Financial

Rates as low as 6.04 % APR1 当你购买或再融资一辆新车或二手车2
Limited Time Auto Loan Offer

How does an Auto Loan work?

一家三口买了一辆新车

我们将贷款给你买新车或二手车, 你将在一段时间内连本带利地偿还.

It’s good to plan ahead by 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.

Elements 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.

我们知道买车可能会让人有点不知所措. Never fear! We have 可以让你的过程更容易的伙伴关系.

Get Started

Is there an advantage to getting my Auto Loan from Elements instead of a dealership?

一位母亲和她的两个女儿把狗狗装进车里

Yes. 当你从Elements获得汽车贷款时, you’re working directly with the lender rather than going through a middleman. 经销商将收取安排贷款的费用, 所以它最终会比通过Elements更昂贵.

Should I get preapproved?

A woman buying a new car

买车时提前考虑总是一个好主意. Apply for an auto loan before you begin shopping so you can negotiate your deal with a preapproval for financing in hand. 这样你也知道你要买的是什么价位. 

Get Preapproved

Elements能帮你买车吗?

Yes! 我们有几个合作伙伴,可以使汽车购买轻而易举.

  • Preferred Auto Dealers - If you'd like the convenience of shopping directly at the lot, visit our Preferred Auto Dealers. We have partnered with Indianapolis-based auto dealers to bring you fantastic deals and great rates, 以及无与伦比的服务. Learn more.
  • Enterprise Car Sales - Did you know that buying at Enterprise Car Sales is different than buying from anyone else? Enterprise has more than 250 makes and models, so you can find exactly what you're looking for. Learn more.
  • Auto Buying Service -会员汽车资源的使命是提供专业的, painless, 购买或租赁新车或二手车的经济有效的方式. Their goal is to provide you all the information available in order to make the best buying decision. Learn more.

What are the fees?

一对老夫妇正在往车里装东西

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

Elements auto loans include a documentary fee of $225 on all booked auto loan applications.

Refinancing of an existing Elements auto loan is also subject to an additional $200 refinance fee.

一旦我的贷款被批准,我如何获得资金?

A man buying a new car

If approved, funds will be made available to the dealer or seller directly via an electronic transfer or check.

Does Elements offer an extended warranty or other loan or asset protection coverage?

Yes. 作为你财务健康的提供者, 我们想确保你有保险, no matter what may happen. 这就是我们提供贷款和资产保护计划的原因. 这只是我们为你争取最大利益的又一种方式.

To protect your purchase, the following programs are available and can be wrapped into your monthly payments:

  • 机械故障保护(MBP), 也被称为延长保修, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. 在合同有效期内, you are assured that covered components of your vehicle will be repaired in the event of failure. 这包括劳动力,但须遵守任何适用的免赔额. Learn more.
  • 保证汽车保护(GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. Learn more.
  • Debt Protection 在不确定和紧张的时候保护你的信用评级. Your loan payment will be cancelled or suspended for a period of time without penalty, added interest, or being reported as delinquent to the credit bureau when a covered event occurs. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. Learn more.

我为什么要去Elements申请汽车贷款?

一个年轻人正在给他的车加油

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率和更低的贷款利率.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally3. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

我们的技术使使用Elements进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

How do I apply?

元素在线应用截图

3 Easy Steps to Apply

  1. Apply online - 你可以在短短15分钟内在线申请! 随时在线或致电提交您的申请 1-800-621-2105 to get started. Have ready your government-issued ID (driver’s license, state ID, or passport) and proof of residence.
  2. Take our call - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 我们还会询问您车辆的价值, make, model, year, mileage, 及身份证号码(如没有在申请表上提供).
  3. That’s it! - 我们会在短期内通知你 1 business day. 一旦你的申请被批准, 我们会联系你签署文件,然后你的贷款就完成了!

Apply Now

阅读更多关于汽车贷款的常见问题…

如果我信用不好,我有资格申请汽车贷款吗?

实际上,“良好信用”有几种定义.“所以,如果你过去有过信贷困难, 了解我们是否能帮助你的最好方法是申请贷款. There is no cost to do so, and our loan staff will work with you to look for ways to get your loan request approved.

你们对汽车贷款有什么保险要求?

当你有汽车贷款元素金融, you must carry full coverage that includes comprehensive and collision for the value of the loan. Elements offers an array of insurance products and, when you have your loan with us, you can also insure your vehicle with us. Get a free online quote 今天从元素金融保险集团. The application is free, available 24/7, and accessible anywhere that you have Internet access. 如果你想亲自申请,那就到办公室来 branch convenient to you! Our friendly Financial Wellness Experts are here to help you in any way that they can. Or you can call us at 1-800-842-5936 如果你想在申请前讨论更多的选择. 

How long will it take to receive my vehicle title after I pay off my Auto Loan?

如果你的贷款是用担保资金偿还的(银行本票), cash, or new loan proceeds) the lien card or title will be mailed to the appropriate party as soon as possible. 如果贷款是用个人支票偿还的, 我们将等待10个工作日,然后我们释放留置权卡或所有权.

了解更多关于车辆名称的信息.

我们从信用卡和储蓄账户开始, but now we also have our checking and both of our cars financed through Elements. 我认为我们不可能再和普通的银行合作了.

- Brandon S. | Member since 2017

What Will My Auto Payments Be?

Auto Loan Calculator

Results

  1. 1 价格自2024年6月7日起生效,如有变动,恕不另行通知. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. 并不是所有的申请人都有资格获得显示的最低费率. Promotional rate includes 1.00% reduction for automated payments from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. 第一次付款到期90天,从贷款资金. 年利率计算和估计每月支付710美元.43 based on loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-Elements Financial auto loan refinance. 所显示的付款不包括税金或保险费. 附加条件可能适用. Subject to credit approval. 汽车贷款于2024年6月7日至6月24日关闭. Third-party refinance vendor transactions are not eligible for current promo rate. 要素金融再融资需支付200美元的再融资费. FICO score less than 640 not eligible for promotional rate or 90 days to first payment. 元素可以在任何时候结束报价. Rates subject to change.
  2. 2 要素金融再融资需支付200美元的再融资费.
  3. 3 基于截至2022年12月31日的资产规模.