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Auto Loans

"Great rate, a quick car loan approval and I was out the door in less than 15 minutes!"

Smiling woman holding PDA Christie O.
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Drive it like you bought it

When you get an auto loan with us, you get a better deal, plain and simple. With rates as low as possible at Arsenal and terms up to 84 months available, your monthly payments are more affordable. You can include taxes, dealer handling charges, warranty and insurance options in your loan.

Get free CARFAX reports, find NADA trade-in values, search and compare millions of vehicles and more when you use our online auto-buying tool.

No credit history? No worries. You can still finance a reliable vehicle with our special “First-Time Borrower” program.

Why choose Arsenal?

When we say we’ll get you a better deal, we really mean it. Here’s how we back that up:

  1. 1

    Related costs can be rolled into your loan

    We'll finance up to 125% of the purchase price (taxes, dealer handling charges, warranty, credit life/disability insurance) on new vehicles and up to 125% of current NADA retail value on 2011-18 used models, depending on your creditworthiness.

  2. 2

    Room for your budget to breathe

    We know some months can be difficult. With our unique skip-a-pay program, you can push a payment to the end of your term. You can do this once per 12 months, up to five times total over the life of your loan. Ask for details.

  3. 3

    Get cash back

    End your loan with some extra cash. We'll refund your last year of interest. Ask for details.

Apply in minutes

We make it easy to apply any way you want. Call, come into a branch, get a loan right at participating dealerships (through Credit Union Lending Systems) or fill out your online application right here, right now.

Apply Now!

Auto Loan Rates

APR* Term
3.49% APR-18.49% APR 0-36 months
3.74% APR-18.49% APR 37-48 months
3.74% APR-18.49% APR 49-63 months
4.34% APR-18.49% APR 64-72 months
5.49% APR-12.00% APR 73-84 months

New auto loan (current and last model year, not titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
3.49% APR-18.49% APR 0-36 months
3.74% APR-18.49% APR 37-48 months
3.74% APR-18.49% APR 49-63 months
4.34% APR-18.49% APR 64-72 months
5.49% APR-12.00% APR 73-84 months

Current and last year's models previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
3.74% APR-18.49% APR 0-36 months
3.99% APR-18.49% APR 37-48 months
3.99% APR-18.49% APR 49-63 months
5.00% APR-18.49% APR 64-72 months
5.75% APR-11.99% APR 73-84 months

Models that are 3-5 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
3.99% APR-18.74% APR 0-36 months
4.49% APR-18.74% APR 37-48 months
4.49% APR-18.74% APR 49-63 months
5.49% APR-18.74% APR 64-72 months
6.49% APR-8.74% APR 73-84 months

Models that are 6-8 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
5.24% APR-19.99% APR 0-36 months
5.49% APR-19.99% APR 37-60 months

Older Models (9 years or older) - Up to 90% of current NADA retail value financed

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

APR* Term
7.50% APR 0-60 months

Car loan for first-time borrowers - Maximum loan amount is $12,000. Other eligibility requirements must be met.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-01-18.

Calculator

Loan Calculator

Format: 12m, 36m, 3y, 7y

FAQs

You will need to: a.) have a checking account with us; b.) receive eStatements; and c.) have your loan payment set up so it is electronically taken out of your Arsenal checking or savings account each month. This special offer applies to all auto loans that have a term of 48 months or longer. We'll give you back all of the interest you paid the last 12 months of your loan and deposit the funds right into your Arsenal savings account. If you are ever late with any of your payments or pay off your loan early, the refund is voided.
Sure. To be eligible, you must not have had any previous credit, with one exception: if you have a credit score that consists of student loans only, you still qualify. You cannot have any derogatory credit (including collection items/judgments). Nontraditional underwriting factors are used. If you are age 18 or older, you can borrow up to $12,000 without a co-signer. If you are age 16 or 17, you must have a co-signer of legal age for contract enforceability, but you may still be eligible for our special rate. Your co-signer must be fully qualified for credit to be eligible. Terms are available up to 60 months, with no down payment required. Other eligibility requirements must be met. Contact the credit union for complete details.
There are more than 200 dealerships throughout Missouri and Illinois, including seven local Enterprise Car Sales locations, where you can apply for and close on an Arsenal loan. This list does not indicate an endorsement for these manufacturers, dealers or services. When visiting these dealerships, be sure to insist on getting your loan through Arsenal Credit Union.
A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing. Use this calculator to help you determine which is better or give us a call.
The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

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Add-on options

Interested in getting more from your auto loan? You can bundle additional options into your loan and cover them all with the payment spread out over the full term so the financial impact is minimal for you.

  • GAP

    GAP (Guaranteed Auto Protection) helps cover you if your vehicle is stolen or totaled. Most insurance will only cover the value of your vehicle in such instances, but you might owe more on your loan. GAP insurance gives you peace of mind by covering the rest and "closing the gap." You can add GAP to your Arsenal loan at any time.

  • Vehicle Service Contract

    A vehicle service contract steps up to help you if your new or preowned car suffers from a mechanical breakdown. The benefits of getting this coverage through us rather than the dealer include comparable coverage at a lower cost, no deductible on covered parts or labor, car rental allowance and 24/7 emergency roadside service. Coverage is nationwide and can be transferred if you sell your vehicle before your agreement expires.

    This agreement is not an insurance contract.

  • Help protect your family against the unexpected with Debt Protection with Life Plus

    Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a non-protected dependent. It’s easy to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today.

    Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP-2098950. 1-0418-0520 © CUNA Mutual Group 2018, All Rights Reserved.

    Learn more
  • Auto Insurance

    You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance – maybe hundreds of dollars too much? Arsenal members may qualify for discounts on car insurance through the TruStage® Auto Insurance Program. TruStage offers a powerful mix of savings and popular, member-friendly benefits, including: nationally recognized companies; friendly, 24/7 service (even on holidays); discounts for multiple vehicles, safety features, good driving and more; and a mobile app for easy claims. Don’t wait to see how much you could save; visit TrusStage.com.

    Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1661466.1

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