There is a $25 non-refundable loan application fee.

Car and truck loans can be financed for terms up to 72 months. The longer the payment term, the lower the monthly payment. The payment term you choose and the your personal credit history will affect the interest rate you receive on your car loan.

Calculate the Cost! Use our helpful online calculators.

Automatic Payments: You have enough on your mind. Setup the automatic payment of your loan through AEAonline, and be worry-free.

Free Vehicle History Report: Purchasing a pre-owned car? Avoid buying a lemon! Request a free Vehicle History Report before signing on the dotted line.


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Annual Skip-a-Payment Option: Following 12-months of perfect car loan payments, you have the option to skip one payment each year of your loan. Extra cash in your pocket can come in handy, particularly around the holidays. There is a $20 skip fee. Some restrictions apply, so be sure to ask for details.

Protection (GAP) from Theft and Collisions: The value of a new vehicle can depreciate faster than the balance of your loan, leaving a gap between what you owe and the actual value of the vehicle. If stolen or totaled, you would be responsible for paying the difference between the loan balance and the amount of your insurance company's payment. For a one-time fee of $350*, you can protect yourself against this potential loss. Just ask us for GAP insurance.

Member’s Choice™ Borrower Security: This is a voluntary debt cancellation program that can cancel your eligible loan balance up to the agreement maximum should you die before paying off your loan.

If you become disabled due to a protected illness or injury, Member’s Choice Borrower Security can cancel your monthly loan payment, up to the agreement maximum. With payment cancellation, both the principal and interest portions of your loan payment are cancelled, up to the agreement maximum, and your loan balance declines.

If you become involuntarily unemployed, Member’s Choice Borrower Security can defer the principal portion of your loan payment and cancel the interest portion up to the agreement limit. With interest cancellation, the loan balance does not decline. Program and other fees may continue to accrue.

With Member’s Choice Borrower Security, you can only buy enough protection to cover your loan balance, and that saves you money. Ask for more details.


*Subject to change.

Auto Loan Rates

Term	APR as low as*
New Car Loans (2009 and Newer)
Up to 48 Months	5.40%
49 - 60 Months	5.80%
61-76 Months ($18,000+)	6.20%
Used Car Loans (2008 and Older)
Up to 48 Months	6.00%
49 - 60 Months	6.20%
61-76 Months ($18,000+)	6.40%
Effective Date: July 1, 2010

*APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender. Please contact our Member Communications Center at 928.783.8881 for additional information.