Auto Loans

Auto loan service with serious horsepower

Our auto loans come with industry-leading service, great rates, fewer fees, and a simple online application process.

Auto and Harley Davidson Motorcycle Loan Rates

Effective as of June 03, 2026
Vehicle Year** APR* starting at

Vehicle Year**

Model Year 2022 - 2026

APR* starting at

5.49%

Vehicle Year**

Model Year 2021 - older

APR* starting at

5.74%

Payment example: 63 monthly payments of $181.91 per $10,000 borrowed at $5.24% available for qualified borrowers. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. 



Recreational Vehicle Loan Rates

Effective as of June 03, 2026
Vehicle Type** APR* starting at

Vehicle Type**

Titled Loans: Motorhomes, Travel Trailers

APR* starting at

9.74%

Vehicle Type**

Untitled Loans: Motorcycle, ATV, Personal Watercraft, Boat, Snowmobile

APR* starting at

10.74%
 

Payment example: term of 63 months, 14.49% APR, min credit score 680; estimated monthly payment of $23.29 per $1,000.00. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. 

Options to protect your purchase

Guaranteed Asset Protection (GAP)

If your vehicle is stolen or totaled, your auto insurance may not cover everything you still owe on your loan. That difference — or “gap” — could come out of your pocket without GAP coverage.

GAP helps by:

  • Covering the difference between your insurance payout and your remaining loan balance
  • Preventing payments on a vehicle that’s damaged beyond repair or not recovered
  • Offering GAP Plus, which may include up to $1,000 toward a down payment on a replacement vehicle (where allowed and when financed by Elevations)

GAP is fully refundable within the first 90 days. You can add it when you apply or later, and the cost can be rolled into your monthly payment.

Mechanical Repair Coverage (MRC)

Unexpected repairs can be costly, especially once your manufacturer’s warranty runs out. Mechanical repair coverage helps pay for covered repairs when breakdowns happen.

MRC includes:

  • Coverage for eligible repairs that could otherwise cost hundreds or thousands
  • Roadside assistance and travel expense reimbursement available right away
  • Ongoing protection after your manufacturer’s warranty expires

MRC is cancelable at any time on a pro‑rata basis. You can enroll when you apply or add it later, with costs rolled into your loan.

Elevations Loan Protection

Life doesn’t always go as planned. Elevations Loan Protection helps safeguard your loan if a qualifying event impacts your ability to make payments.

Loan protection can:

  • Help make loan payments during covered events, such as job loss, disability, or death
  • Protect your credit by avoiding late or missed payments
  • Reduce the financial burden on your family
  • Cover up to two borrowers per loan

Enrollment is simple, with clear eligibility requirements. You can add Loan Protection when you open your loan or contact us to enroll later.

More ways we can help you

  • home equity icon

    Home Equity

    Use your home's value to renovate, fund education, or even refinance debt.

  • Icon of a Blue credit card

    Visa Credit Cards

    Be a card-carrying member of your community.

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    Financial Planning

    Save for retirement, pay for college — and everything in between.

Commonly Asked Questions

  • Approving an auto loan can often be as fast as a few minutes.

  • Elevations offers no-fee auto loan refinancing options. Talk to a team member or apply online.

  • There are no penalties for paying off an auto loan early.

Take the next step with an auto loan from Elevations Credit Union

Apply for an Auto Loan

How can we help you?

Membership eligibility and one-time $5 membership fee required at account opening

*Annual percentage rate

^Annual percentage yield

**All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications and underwriting factors. Please speak with an Elevations representative for more information. Offers of credit are subject to membership requirements and credit approval.