Auto Loans – Low rates on new and used vehicles – Apply online today

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What would you like to borrow for?
- A home
  - Great, what are you more interested in?
    - I’d like to buy a home, or refinance my current loan.
      - Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    - I want to make some environmentally friendly home improvements.
      - Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
    - I’m more interested in using the value in my home to get a loan.
      - Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
        Lump sum
        Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
        
        Flexible spending
        Great. Check out our Home Equity Line of Credit (HELOC). It’s a flexible way to use your home’s value, particularly for home improvements.
- A car
  - Cool! We have low rates available for both Auto Loans and Recreational Vehicles. We can also refinance your current loan with another institution.
- Something fun
  - What are you interested in?
    - Boat
      - Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
    - Personal Watercraft
      - Great! We’re here to help you find your thrill. We offer competitive rates and terms on Personal Watercraft Loans.
    - Motorcycle or ATV
      - You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
    - Motorhome, Campervan or Travel Trailer
      - Yay! Hit the road, Jack! Our low rates and flexible terms on Motorhome, Campervan and Travel Trailer Loans help you explore America.
- Something else
  - Okay. Business or personal?
    - Business
      - Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
    - Personal
      - Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
- I’m mostly interested in a credit card
  - Sounds good! Be sure to check out our VISA^® Credit Cards page.

What would you like help with?
- Accessing my accounts
  - Okay, how would you like to access your accounts?
    - Online
      - Ok! If this is your first time using Online Banking?
        Yes
        Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
        
        No
        Great. To access your account, simply click “Login” in the upper right hand corner of the page.
    - On my mobile device
      - Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Opening a checking account
  - Great! What do you care most about in a checking account?
    - Earning interest
      - Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
    - Having no fees
      - Sounds good! Make sure you check out our Totally Free Checking account.
    - Getting free checks
      - Great! Take a look at our Advantage Plus Checking account, which features free regal style checks (and 50 percent off custom checks).
- Signing up for eStatements
  - Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
- Getting insurance
  - Perfect, we offer discounts on auto, home and life insurance through our partner.
- Setting up alerts and controls
  - Set up alerts for your debit card. Set up alerts and controls for your credit card.
- Reporting a lost or stolen card
  - We’re sorry to hear that. Is this during or after business hours?
    - During
      - Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
    - After
      - If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.

What would you like to save for?
- An upcoming holiday or vacation
  - Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Regular Savings page and scroll down for more info.
- Retirement
  - It sounds like an IRA (Individual Retirement Account) would be helpful for you. If you’re interested in meeting with a financial advisor to discuss a Roth IRA and other investment options, we can also make that happen.
- College
  - Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
- Something else – and I’d like to earn a good interest rate
  - Do you have some money saved up already?
    - Yes, quite a bit
      - Nice! Are you okay with leaving your money untouched for a while?
        Sure
        Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
        
        I’d prefer to make withdrawals when I need to.
        Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
    - Not much
      - No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- I’d prefer just a basic savings account
  - Ok! Our Regular Savings sounds just right for you. It also secures your Arsenal membership.

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

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

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

Get cash back

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

Rates View all rates

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 11-01-18.

Used Car: 2017-2018

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 11-01-18.

Used Car: 2014-2016

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 11-01-18.

Used Car: 2011-2013

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 11-01-18.

Older Car Models

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 11-01-18.

Car Loan for First-Time Borrowers

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 11-01-18.

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

FAQs What questions do you have?

FAQs

How can I get back the last year of interest I pay on an auto loan?

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.

Can you tell me more about your First-Time Borrower program?

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.

Which dealerships offer on-the-spot Arsenal financing?

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.

If I’m given the option of low-interest financing or a manufacturer’s rebate at the dealership, which should I take?

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.

How much interest can I save if I refinance my auto loan from somewhere else to Arsenal?

Use this calculator to find out!

Can I update my insurance information for an Arsenal auto loan online?

Yes. Click here to do so.

Where can I get a free copy of my credit report?

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.}
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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}