Get up to $500 Cash Back
Enjoy Up to $500 Cash Back & Low Rates
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1Promotion: Must be 18 or older and a member of Neighborhood CU. Credit application and approval required. Offer valid for new, used and the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Minimum financed loan amount of $15,000 is required. Eligible approved applicants with a completed car loan will be awarded as follows: $250 - loan amount $15k to $30k, $350 - $30,001 to $50k, $500 - $50,001 and greater. Cash back earned will be deposited into the membership establishing savings account within 30 days of completed loan. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Cannot be combined with other cash back or rate discount offers. Lowest rate based on excellent credit. Rates subject to change including lowest rate advertised. Offer ends 12/31/2024 at 11:59pm Central Time.
‡Rates are accurate as of September 27, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.
★★★★★
Neighborhood Credit Union is a gem in the banking world! The team is always helpful, kind, and incredibly informative. From seamless car loan applications to expert assistance with cards and account setups, Neighborhood Credit Union consistently redefines helpfulness.
– Isabel G.
Auto Loan Calculator
What are you looking to finance?
How's your credit?
?
You are using this tool based on your self-assessment of your credit worthiness. If you submit an application for auto financing, the terms will depend on Neighborhood Credit Union's evaluation of your credit worthiness. The terms of your qualification may vary from the estimates in your self-assessment. You may be declined once Neighborhood Credit Union reviews your credit information.
How much would you like to finance?
?
The maximum Amount Financed may vary depending on the value of the vehicle you select, and may also be subject to verification of your income. This amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products, should you choose to purchase them.
Preferred Term Length (months)
?
Length of time (in months) over which you would like to repay the amount financed.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes onle. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational and hypothetical purposes only. Actual terms will vary and the final annual percentage rate may differ from the annual percentage rate in the above results and are subject to credit approval. This auto loan calculator is not intended to provide legal, investment, or financial advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union. The terms and conditions of products offered by institutions will differ and may affect the results of the auto loan calculator. Please consult with qualified professionals to discuss your situation.
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Our Vehicle Application Process is Secure and Simple!
STEP 1
Apply Online
Complete our easy online application and we'll quickly let you know if you're approved.
STEP 2
Agree on Terms
We'll agree on the ideal loan amount and term for you, and offer you a competitive rate.
STEP 3
Find Your Vehicle!
With your financing secured, you can shop for your new vehicle or pay off your previous loan.
Frequently Asked Questions
You can buy a new or used vehicle starting at a purchase price of $10,000 and up to 100% MSRP. The amount you can borrow may depend on your income and financial goals.
You can use our auto loan payment calculator to find out the ideal vehicle purchase price for your budget.
Yes, we offer auto loan refinancing so you can change your loan term, see if you qualify for a better APR, and enjoy all the other benefits of Neighborhood Credit Union membership.
The annual percentage rate (APR) you get is based on your credit score, debt-to-income (DTI) ratio, and the loan term you choose.
- Higher scores get the lowest rates.
- Shorter terms get lower rates than longer terms.
Your loan term impacts your auto loan payment so you should choose the best term to achieve your goals.
- Shorter terms give you a lower APR but a higher monthly payment, so you're debt-free faster.
- Longer terms give you a higher APR but a lower monthly payment, so your payments are more affordable.
No, there are no penalties or fees if you pay your loan off early! Just make sure you include any unpaid fees and costs, unpaid interest, and your remaining principal in the final total so you're all clear.