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Auto Loans

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Save on your next auto loan

Your Low-Rate Auto Lender in St. Louis

When you choose us as your auto loan lender, you get a better deal, plain and simple. With rates as low as possible at Arsenal and auto loan terms up to 84 months available, your monthly car payments are more affordable. We know you need to get into your car quickly. When you apply online (through online banking or our easy-to-use portal), in person at one of our branches or at dealerships that offer on-the-spot Arsenal financing, you’ll receive a quick decision.

Why choose Arsenal?

On top of low monthly rates and flexible terms, you’ll save money on add-on options we offer. When you buy a vehicle from Carvana, you can get a $100 cash reward from Love My Credit Union Rewards in addition to a low monthly car payment.

Calculate your auto loan payment

Using our auto loan calculator below, you can see how much your monthly car payment could potentially be. See what your potential monthly car payment rate will be based on the type of loan you need for the age of the car you want to finance.

You can also check out answers to common questions regarding auto loans. If you’re stuck paying too much on your current auto loan, please visit our refinancing page to see if you can lower your monthly car payment.

Here are a few more reasons to finance with us.

  1. 1

    Related costs can be rolled into your loan

    We'll finance up to 125% of the purchase price (taxes, dealer handling charges, extended service contract, GAP insurance, Debt Protection with Life Plus) on new vehicles and up to 125% of current NADA retail value on 2014-2021 used models, depending on your creditworthiness.Learn More

  2. 2

    Room for your budget to breathe

    We know some months can be difficult. With our unique skip-a-pay program, you can postpone your payment once every 12 months, up to five times total, with no penalties and no potential dings to your credit score. Learn More.

  3. 3

    No credit history? No problem.

    Our first-time borrower program is an excellent way to get a no-credit car loan. We offer a special rate and 60-month terms for those without any previous credit history. Learn More

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
1.99% APR-17.75% APR 0-36 months
2.49% APR-17.75% APR 37-48 months
2.74% APR-17.75% APR 49-63 months
3.24% APR-17.75% APR 64-72 months
4.49% APR-11.24% 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 12-1-2021.

APR* Term
1.99% APR-17.75% APR 0-36 months
2.49% APR-17.75% APR 37-48 months
2.74% APR-17.75% APR 49-63 months
3.24% APR-17.75% APR 64-72 months
4.49% APR-11.24% 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 12-1-2021.

APR* Term
2.24% APR-18.25% APR 0-36 months
2.74% APR-18.25% APR 37-48 months
2.99% APR-18.25% APR 49-63 months
3.74% APR-18.25% APR 64-72 months
4.74% 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 12-1-2021.

APR* Term
3.24% APR-18.50% APR 0-36 months
3.74% APR-18.50% APR 37-48 months
3.99% APR-18.50% APR 49-63 months
4.49% APR-18.50% APR 64-72 months
5.24% APR-8.49% 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 12-1-2021.

APR* Term
5.25% APR-19.50% APR 0-36 months
5.25% APR-19.50% APR 37-48 months
6.75% APR-19.50% APR 49-60 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 12-1-2021.

Calculator

Loan Calculator

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

FAQs

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.

Still have questions?

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Refinance Your Auto Loan No one wants to be stuck paying too much for their car with their current auto loan. Get... Read

Add-on options

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

  • GAP Plus

    GAP (Guaranteed Asset Protection) Plus helps cover your loss 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 Plus insurance gives you peace of mind by covering the difference. The "Plus" part is an additional benefit of a $1,000 deduction toward your next loan when you finance your replacement vehicle with ACU within 90 days of the GAP settlement. You can add GAP Plus 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.

  • Debt Protection with Life Plus

    Do everything you can to take care of the ones you love. Take an important step toward financial security today with Debt Protection with Life Plus. Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection with Life Plus which may cancel your loan balance or payments, up to the contract maximum, in the event of involuntary unemployment, disability or death. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today. If you already have this coverage or credit disability/life insurance on your loan with us, you can file a claim here.

    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-3415592. 1-0121-0423 CUNA Mutual Group ©2021, 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 TruStage.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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