Apply for pre-approved financing with Empeople before you begin shopping for a new or used vehicle. Walk into the dealership with confidence, knowing exactly what you can afford. With our best-in-market rates, you’ll save time and money, whether your dream car, boat or RV comes from a dealership or a private seller.
To apply, please log in to digital banking and click on our Loan Request tab. Or call toll-free 24/7 at (800) 338-6739.
VIEW ALL RATES AND DISCLOSURES
At Empeople, members enjoy:
- 100%* financing
- Low, Best In Market Rates+
- Flexible terms up to 72 months** financing
- Options to apply for pre-approval
- Debt Protection
- Empeople Insurance Services
Earn preferred member loan pricing
Active members with a new Empeople auto loan will receive a loan pricing interest rate discount.¹ Read our FAQs to learn how to attain active membership status.
Refinance your current auto loan
- Enjoy low, Best In Market Rates and potentially a great money-saving opportunity
- Apply online to see if there is an opportunity to lower your monthly payments
Boat and recreational vehicle loans
- We’re also your best choice for the lowest rates on boat and recreational vehicle loans, as well as insurance
- Applying is easy
- Just call us at (800) 338-6739 or apply through Digital Banking
Skip A Pay
- Skip your monthly installment loan payment and free up some extra cash
- Quick and easy to do inside Digital Banking
- Once logged into Digital Banking, select your eligible consumer loan, if available, to Skip A Payment
- A low processing fee of $25***
*Finance the lesser of MSRP or final purchase price, plus tax and Vehicle Service Agreement on new vehicles or the NADA retail value including adjustments for options and mileage on used vehicles.
**All loans issued subject to credit approval. Loan rates determined by individual credit history.
*** Skip A Pay fee is $50 if assisted by CU staff. Finance charges continue to accrue on all loans that take advantage of Skip A Pay program, which may cause the maturity date of your loan to be extended. Some restrictions apply. Interest will continue to accrue during deferred payment period.
+Weekly survey at www.Rate-Watch.com. Rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
¹ APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates based upon credit scoring criteria and applicable discounts such as preferred member loan pricing. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
How can I apply for an auto loan?
You can apply for any loan online. Simply log in to Digital Banking and click on Loan Requests tab. Or you can apply by calling (800) 338-6739.
How old of a car can I get an auto loan on?
We will finance autos up to 10 model years old at either new or used auto rates depending on model year. Vehicles older than 10 model years will be considered at an increased interest rate. This rate depends on credit and relationship with the credit union.
How much can I borrow on an auto loan?
Empeople will lend up to 100% financing, not exceeding the lesser of MSRP or the final purchase price plus tax and Vehicle Service Agreement on new vehicles or the NADA Retail value plus/minus options and mileage on used vehicles.
How much insurance do you require for an auto loan?
We require collision and comprehensive coverage with a maximum $2,500 deductible on each.
Can I apply for a vehicle loan if I haven't found the make and model I want yet?
Yes, you can apply to be pre-approved for an auto loan. Simply log in to Digital Banking and click on Loan Requests tab. Or you can apply by calling (800) 338-6739.
What is the maximum term for an auto loan?
Can I also get insurance for my auto through Empeople?
Yes, click here or call (866) 599-2682 to get started.
How do I earn the preferred member rate discount?
Active members with a new Empeople auto loan will receive the preferred member rate discount. Members are considered active when their checking account receives $1,500 or more in direct deposits within the last 30 days, and they make 21+ purchase transactions with their Empeople debit or credit card per month. Review rate disclosures for more details.
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