汽车贷款

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 提前批准你的汽车贷款. 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! 我们有 partnerships that can 使 the process easier for you.

开始

是的. 当你得到你的汽车贷款元素, 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.

Thinking ahead is always a good plan when buying a vehicle. 申请汽车贷款 before you begin shopping so you can negotiate your deal with a preapproval for financing in hand. This way you also know what price range you’re shopping for. 

得到预先批准

是的! 我们有 several partnerships that can 使 car buying a breeze.

• 首选的汽车经销商 - If you'd like the convenience of shopping directly at the lot, visit our 首选的汽车经销商. 我们有 partnered with 印第安纳波利斯-based auto dealers to bring you fantastic deals and great rates, 以及无与伦比的服务. 了解更多.
• 汽车销售企业 - Did you know that buying at 汽车销售企业 is different than buying from anyone else? Enterprise has more than 250 使s and 模型s, so you can find exactly what you're looking for. 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. Their goal is to provide you all the information available in order to 使 the best buying decision. 了解更多.

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

元素 auto loans include a low $140 processing fee. Refinancing of an existing 元素 auto loan is also subject to an additional $200 fee depending on the borrowing amount. Your 元素 loan specialist will provide information about whether you qualify to have these fees waived.

如果得到批准, funds will be made available to the dealer or seller directly via an electronic transfer or check.

是的. 作为你的财务健康提供者, 我们想确保你的安全, 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.

保护您的购买, the following programs are available and can be wrapped into your monthly payments:

• 机械击穿保护(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. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure. This includes labor, subject to any applicable deductible. 了解更多.
• 保证自动保护(GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. 了解更多.
• 债的保全 protects your credit rating during uncertain and stressful times. Your loan payment will be cancelled or suspended for a period of time without penalty, 添加兴趣, 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. 了解更多.

就像银行，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, 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. 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.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally⁴. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared 分支es nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology 使s banking with 元素 easy. 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.

开始

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. Have ready your government-issued ID (driver’s license, state ID, or passport) and 住所证明.
2. 接我们的电话 - 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. 我们也会询问你的车的价值, 使, 模型, 一年, 里程, 及VIN(如申请表上没有提供).
3. 就是这样! - 我们会在做出决定后再联系你 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

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, and our loan staff will work with you to look for ways to get your loan request approved.

What 保险 requirements do you have for auto loans?

When you have an 汽车贷款 with 好的赌博软件推荐, you must carry full coverage that includes comprehensive and collision for the value of the loan. 的数组 保险 products and, when you have your loan with us, you can also insure your vehicle with us. 得到一个 免费的在线报价 从元素金融保险集团撤资. The application is free, available 24/7, and accessible anywhere that you have Internet access. If you would rather apply in person, then come on into a 分支 方便你! Our friendly Financial Wellness Experts are here to help you in any way that they can. 或者你可以打电话给我们 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, 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支付的, we will wait 10 business days before we release the lien card or title.