Auto Loans
Auto loan service with serious horsepower.
APR* from 4.49%
Our auto loans are all revved up with industry-leading service, great rates, fewer fees and a simple online application process. In fact, you could get approved instantly. Get your application started by choosing how you’re purchasing your vehicle: (opens in a new window)
Benefits of Elevations Auto Loans:
Instant approval for qualified applicants
Available for new and used vehicles, whether you purchase from a dealership or buy from a private party — you can even refinance your current auto
Qualifying members can get up to 115% loan-to-value (LTV) — that’s the difference between the amount borrowed and the sales price
Access to our auto buying service, AutoTrek(opens in a new window), and our dealer search tool(opens in a new window) for an easier car buying experience
Choose from a range of term options
What vehicles do you finance?
We’re not just talking loans for new and used cars. We finance everything from trucks, motorcycles (special Harley rate), (titled) ATVs and RVs to boats, jet skis, snowmobiles, scooters and pretty much anything else on wheels, water or snow. Not sure if we can finance your vehicle? Let’s figure it out.
Auto and Harley Motorcycle Loan Rates
| Terms | Model Year | APR Starting At* |
|---|---|---|
| Up to 63 Months | 2018-2020 | 4.49%† |
| Up to 63 Months | 2017-older | 4.99%† |
*APR = Annual Percentage Rate†Term of up to 63 months; estimated monthly payment of $18.50 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Effective 1/24/2020. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Motorcycle and Recreational Vehicle Loan Rates
| Terms | Vehicle Type | APR Starting At* |
|---|---|---|
| Up to 63 Months | Titled Loans: Motorcycle, Motorhome, Travel Trailer | 8.45%† |
| Up to 63 Months | Untitled Loans: Motocycle, ATV, Personal Watercraft, Boat, Snowmobile | 8.95%† |
*APR = Annual Percentage Rate†Term of up to 63 months; estimated monthly payment of $20.00 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Effective 1/24/2020. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Ready to get started?
Apply online.
Get started by selecting where you’re buying: At a dealership (opens in a new window)From a private seller (opens in a new window)
Get approved.
Depending on your application, you may be approved instantly.
Go buy your ride.
Once you get behind the wheel, be sure to wave when you drive by.
Tools to buy or refinance your ride:
AUTOTREK
Let us do the heavy lifting for you.
AutoTrek provides a comprehensive auto buying experience for new and used vehicles. They'll help you find the car that fits your budget, negotiate prices with the dealership and even deliver your car and paperwork to your home or office. Even better, they’re a trusted auto buying source, so you know you’re in good hands.
DEALER INVENTORY SEARCH TOOL
Search, build and research your next car.
Our dealer inventory search tool can help you hone in on the exact ride you want. Search, build and research the countless cars in our dealership network. You can request more info, save your searches and connect with a dealer you know and trust.
AUTO LOAN CALCULATOR
Estimate your monthly auto payments.
Use our auto loan calculator to help get a better picture of what to expect with a new auto loan. You can estimate what your monthly payments might be and the total amount you will pay for the vehicle.
REFINANCE
Refinance to save money or get cash out.
By refinancing your auto loan from Elevations or another financial institution, you have the potential to lower your monthly payments and save money for the road ahead, or even cash out your equity for other uses. When you refinance, you’ll receive a $100 rebate that you can opt to donate to Elevations Foundation for local scholarships.
Options to protect your purchase:
Hopefully, your vehicle will never be stolen, damaged beyond repair or declared as a total loss. But if it is, there could be a big difference between what your auto insurance pays and what you owe on your loan. That “gap” will come out of your pocket unless you have guaranteed asset protection (GAP) insurance. GAP can save you from making loan payments on a car, truck or other vehicle that’s beyond repair or stolen and not recovered. GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by Elevations Credit Union). GAP is fully refundable if you cancel the coverage within the first 90 days. Elevations offers GAP, and you can sign up when you apply for an auto loan or contact us to add it later. You can even roll the cost into your monthly payment.
MRC helps pay for covered repairs on your car when that unexpected breakdown occurs, potentially saving you hundreds or even thousands. MRC complements your manufacturer’s warranty because the roadside assistance and travel expense reimbursement can be used immediately. Later down the road, your protection continues seamlessly after your manufacturer’s warranty expires. MRC is cancelable at any time on a pro-rata basis. Elevations offers MRC, and you can sign up when you apply for an auto loan or contact us to add it later. You can even roll the cost into your monthly payment.
Elevations Loan Protection safeguards your auto loan, personal loan or secured loan in the case of an unforeseen event that impacts your ability to pay. If you can't make your payments and have a qualifying event, Loan Protection can make them for you. Elevations Loan Protection benefits:
Helps protect you and your family against financial hardship should the unexpected occur
Helps protect your credit rating by avoiding late or missed payments
Can protect up to two borrowers per loan
Reduces the financial burden on your family should you die, become disabled or lose your job
Offers easy enrollment and simple eligibility requirements
You can sign up for Elevations Loan Protection when you open your loan or contact us to add it later.
Commonly asked questions
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan in online banking using your Elevations account or an account at another financial institution. For ways to make a mortgage payment, please review the commonly asked questions on our Mortgage page(opens in a new window).
Make a payment with an Elevations account: After you log in to online banking(opens in a new window), select “Pay With Elevations Account” under the Loans tab — or select “Pay” underneath the loan from the Accounts section of your online banking homepage. Pick which Elevations account you’d like to make the payment from, and choose whether you want to set up a one-time or recurring payment.
Make a payment from an external account at another financial institution: After you log in to online banking(opens in a new window), select “Pay With External Account” under the Loans tab. Follow the instructions to add and verify a new account. To verify the new external payment account, Elevations will make two micro-deposits into the account. It can take up to two business days for the deposits to show up in the account. Once they post, Elevations will remove the deposits. You will need to finish verifying the external account in online banking. After you’ve verified the external account, you can choose whether you’d like to set up a one-time or recurring payment.
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan in our mobile app using your Elevations account or an account at another financial institution. For ways to make a mortgage payment, please review the commonly asked questions on our Mortgage page(opens in a new window).
Make a payment with an Elevations account: After you log in to the mobile app, select “Transfers” in the bottom menu bar. Pick which Elevations account you’d like to make the payment from, and choose whether you want to set up a one-time or recurring payment.
Make a payment from an external account at another financial institution: After you log in to the mobile app, select “More” in the bottom menu bar and then “Pay Loan from Outside Account” under Loans. Follow the instructions to add and verify a new account. To verify the new external payment account, Elevations will make two micro-deposits into the account. It can take up to two business days for the deposits to show up in the account. Once they post, Elevations will remove the deposits. You will need to finish verifying the external account in online banking.
Please visit the Elevations Loan Payment Center(opens in a new window) to make a loan or credit card payment with a debit card — this is for one-time payments only for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan. Please allow two business days for your payment to be applied to your account after you submit it.
To find out ways to make a mortgage payment, please review the commonly asked questions on our Mortgage page(opens in a new window).
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan using your Elevations account or an external account at another financial institution. To find out ways to make a mortgage payment, please review the commonly asked questions on our Mortgage page(opens in a new window).
By phone: Please call (800) 429-7626(opens in a new window), Monday through Friday from 7 a.m.-6 p.m. and Saturday from 8 a.m.-1 p.m. MT. You may pay with a debit card or by electronic transfer using your routing and account numbers. If you pay by electronic transfer, it will take three business days for your payment to be applied to your account.
In branch: You can make a payment at any Elevations branch(opens in a new window).
By mail: Please mail your check with your name and the full account number on your statement to:
Elevations Credit UnionAttn: Operations DeptPO Box 9004Boulder, CO 80301
Loan payments, including those sent by mail, must be received by the payment due date to avoid late fees. Processing your payment is faster online, by phone or at a branch.
More ways we can help you
* APR = Annual Percentage RateRate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. Borrower must have approved credit and limitations may apply. Please speak with an Elevations representative for more information.The rate may vary depending on each individual's credit history and underwriting factors.All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.