Auto Loans

New and Used Auto

Get a FREE Essential YETI!

YETI coolers are the hottest summer accessory.  Now you can own an Essential-branded YETI Tundra 35 that holds 20 cans for FREE*!  It's easy to get your FREE YETI Tundra 35:

  • Book your auto loan of $30,000 or more.

That's all it takes!  And when you finance your auto loan between now and August 31, 2017, you can enjoy:

  • 90 days no pay*
  • Competitive Rates
  • Low $500 Minimum Loan Amount
  • Longer terms, up to 7 years (up to 36 months for older autos)1
  • 100% financing available (up to 125% financing available for qualified members)1
  • No Pre-Payment penalty
  • Payment Protection
  • GAP Insurance available
  • Extended Warranty is available


Get Pre-Approved

Just call a Essential FCU representative toll-free at 1.888.369.2207, drop by one of our Branches or Apply Online to get pre-approved for your purchase. Don't forget to request a Pre-Approval Certificate to take with you.

Auto Shopping Assistant

Click here to see our list of Preferred Dealers

1Normal credit restricitons apply. Other restrictions may apply. Please see a Essential FCU representative for details.

*YETI Promotion Disclaimer: All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score. Annual Percentage Rate. To receive a free Essential YETI, member must book a direct auto loan with Essential on or before August 31, 2017. Offer does not apply to loans previously booked with Essential. Offer available while supplies last. 90 day no pay: Offer only applies to direct auto loans booked during promotional period. Limited time offer. To qualify member must have a credit score of 680 or higher and be current on all loans. The minimum loan value must be $10,000 or greater and the loan must be closed at Essential. Interest will accrue beginning at closing of the loan. Excludes all loans currently financed with Essential.