Auto Loans

New and Used Auto

Whether you're needing a bigger vehicle, something more reliable or just a car you can have fun in, we can help put you behind the wheel.  Here are just a few reasons to finance with Essential:

  • 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.