New Vehicle Loans
Found the right vehicle? Let EPBECU help you finance it.
Whether you’re shopping for a new car, truck, motorcycle, boat, or other eligible vehicle, EPBECU offers competitive rates and flexible financing to help get you on the road. A vehicle may qualify for our new vehicle rate with up to 15,000 miles, subject to EPBECU lending guidelines. Demonstrator vehicles may also qualify depending on mileage and use.
Get Pre-Approved Before You Shop
Know what you can afford, and shop with confidence. Apply for an EPBECU vehicle loan before heading to the dealership, and we’ll help you determine the financing amount that works for you. Getting pre-approved can give you a clearer budget, simplify the buying process, and let you focus on finding the vehicle that’s right for you. Ready to get started? Apply for a loan, give us a call, or stop by any EPBECU location.
Have a Classic or Antique Vehicle?
EPBECU may also finance qualifying classic and antique vehicles. Additional documentation, including a current appraisal, may be required. Give us a call and let’s talk about your vehicle.
Good to Know
Loan approval, rates, amounts, and terms are subject to EPBECU lending guidelines and may vary based on creditworthiness, income, debt obligations, collateral, vehicle age and mileage, and other applicable factors. Proof of income and appropriate insurance coverage are required.
Buy it now!
We recommend that you call or come by the Credit Union before shopping for two reasons:
The Credit Union uses JD Power to determine the book value of vehicles.
We can “pre-qualify” you. Then, you can just write a check to the dealer, and we will cover that check the next business day!
Shopping for Your Next Vehicle?
Search available vehicles, compare options, and research your next car, truck, or SUV with EPBECU's Car Buying Center.
100% Loan
On new vehicles, the amount of money the Credit Union will lend is based on 100% of dealers cost plus taxes, warranty and transportation. The following minimum requirements must be met also:
Payback term not to exceed 72 months.
Current credit report that is acceptable.
Debt-to-income ratio not to exceed 50%.
Borrower must have proven stability of employment. EPB employees’ income can be verified by phone; non-EPB employee borrowers must have income verified in writing.
Any automobile used as collateral shall have proper and adequate insurance to protect the credit union’s interest, and the borrower must maintain this insurance throughout the term of the note and have the credit union listed as “loss payee” on the policy. If the member fails to provide proper insurance, such coverage will be obtained by the Credit Union at the borrower’s expense.
Used Vehicle Secured Loans
The right vehicle doesn’t have to be brand new. Whether you’re buying a used car, truck, motorcycle, or other eligible vehicle, or refinancing a vehicle you already own, EPBECU offers competitive rates and flexible financing options to help make it affordable.
EPBECU uses industry-recognized vehicle valuation information, including J.D. Power, to help determine the value of used vehicles. Flexible terms based on your vehicle. Available loan terms may vary based on the vehicle’s model year, mileage, value, and other applicable factors. We’ll help you find a financing option that fits both the vehicle and your budget.
Get Pre-Approved Before You Shop
Know your budget before you head to the dealership. Getting pre-approved with EPBECU can help you shop with confidence and make the buying process easier. Already have a vehicle loan somewhere else? Talk with us about refinancing. We may be able to help you lower your rate or monthly payment.
Ready to get started? Apply for a loan, give us a call, or stop by any EPBECU location.
Have a Classic or Antique Vehicle?
EPBECU may also finance qualifying classic and antique vehicles. Additional documentation, including a current appraisal, may be required. Give us a call and let’s talk about your vehicle.
Good to Know
Loan approval, rates, amounts, and terms are subject to EPBECU lending guidelines and may vary based on creditworthiness, income, debt obligations, collateral, vehicle age and mileage, and other applicable factors. Proof of income and appropriate insurance coverage are required.
Shopping For Your Next Vehicle?
Search available vehicles, compare options, and research your next car, truck, or SUV with EPBECU’s Car Buying Center.