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Own Your Journey

At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life’s journey, you can count on us for guidance as you strive for financial wellness.

Your life is your journey…Own It!

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Family in a car
Family in a car

Auto Loans

New or Used - 3.99%/As Low As

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Rates

Auto Loan Rates
TermNew & Used *APR as low as low as1Est. Monthly Pmt. per $1kMinimum ValueOther Details
New & Used Automobiles
0-36 Months 3.99% $29.52   Vehicles older than 7 years prior to current year receive the "Classic" automobile rate
37-48 Months 3.99% $22.57    
49-60 Months 4.24% $18.53    
61-72 Months 4.49% $15.87 $15,000  
73-84 Months 4.99% $14.13 $40,000  
*A.P.R. = Annual Percentage Rate
1As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment discount, which is also reflected in the advertised rate. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $1,000.
Classic Automobiles
0-48 Months ** **   "Classic" Automobiles are those greater than 7 model years old. Rates are calculated on the table above plus a 2.00% premium.
Auto Loan Calculators

*Some terms require a minimum financing amount. Not all terms are eligible for advertised as low as rate. **Classic auto rate calculated 2.00% higher than standard auto rates. See loan rates for details.

Terms and Conditions: New vehicles and motorcycles are those of current or previous year make and model. The maximum loan amount for new vehicles or motorcycles is 120% of the collateral value, which is defined as MSRP (or purchase price on motorcycles with no MSRP), less dealer discounts plus any rebate-eligible additions such as warranties and GAPP.

Note: As Low As rate may include a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed at the lowest stated rate over the maximum term listed for that row. Not all applicants will qualify for the lowest rates. Rates current as of August 1, 2022.

Used vehicles and motorcycles are those of a model year between 2 to 7 years previous of current year. The maximum loan amount for used collateral is 120% of the NADA retail value plus any rebate-eligible additions such as extended warranty, GAP insurance, and any miscellaneous documentation fees.