汽车贷款

We will loan you the money for a new or used vehicle, and you will pay it back with interest over a specified period of time.

It’s good to plan ahead by getting preapproved for your 汽车贷款. 这样你就可以更好地了解你应该购买的价格范围. Being preapproved also gives you good negotiating power with the seller.

元素 can finance up to 120% of your car’s value, including tax and license. It’s a good idea, though, to put down at least 20% of the purchase price. Of course, the more you pay up front, the lower your monthly payment will be.

We understand car shopping can be a bit overwhelming. 不要害怕! 我们有 partnerships that can 使 the process easier for you.

开始

是的. When you get your 汽车贷款 from 元素, you’re working directly with the lender rather than going through a middleman. A dealer will take a fee for arranging the loan, so it will end up being more expensive than going through 元素.

Thinking ahead is always a good plan when buying a vehicle. Apply for an auto loan 在你开始购物之前，这样你就可以在事先批准的情况下谈判你的交易. This way you also know what price range you’re shopping for. 

Get Preapproved

是的! 我们有 several partnerships that can 使 car buying a breeze.

• Preferred 汽车 Dealers -如果您想直接在停车场购物，请访问我们的首选汽车经销商. 我们已经与印第安纳波利斯的汽车经销商合作，为您带来梦幻般的交易和伟大的利率, as well as incomparable service. 了解更多.
• Enterprise Car Sales - 你知道在企业汽车销售处买车和从其他地方买车是不同的吗? Enterprise有250多个品牌和型号，所以你可以找到你想要的. 了解更多.
• 汽车 Buying Service - The mission of Members 汽车 Source is to provide a professional, 无痛, and cost-effective way to purchase or lease a new or pre-owned vehicle. 他们的目标是为您提供所有可用的信息，以便做出最佳的购买决定. 了解更多.

There are no prepayment penalties or an annual fee associated with an auto loan.

元素汽车贷款包括225美元的文件费在所有预订的汽车贷款申请.

对现有的element汽车贷款进行再融资也需要额外支付200美元的再融资费用.

如果得到批准, 资金将通过电子转账或支票直接提供给经销商或卖方.

是的. As your financial wellness providers, we want to 使 sure that you’re covered, no matter what may happen. That’s why we provide loan and asset protection programs. It’s just one more way that we look out for your best interests.

To protect your purchase, 以下计划是可用的，并且可以包含在您的每月付款中:

• Mechanical Breakdown Protection (MBP), also known as extended warranty, 汽车保护是否超出了制造商的工厂保修范围，并包括意外机械故障的维修. For the period of time the contract is in effect, 如果您的车辆出现故障，我们将对您的保险部件进行维修. This includes labor, subject to any applicable deductible. 了解更多.
• Guaranteed 汽车 Protection (GAP) 保护的目的是消除你的未付净贷款或租赁余额，如果你的车辆被盗或损坏无法修复. 了解更多.
• Debt Protection protects your credit rating during uncertain and stressful times. 你的贷款将被取消或暂停一段时间而不受罚款, added interest, or being reported as delinquent to the credit bureau when a covered event occurs. 承保的事件包括死亡、残疾、非自愿失业、探亲假和住院. 了解更多.

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted 建议. Fresh Approach.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家会来到你的工作场所回答你的问题，并为你提供一对一的帮助，帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%⁴. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

高科技. 人类接触.

Our technology 使s banking with 元素 easy. 从快速的数字应用程序到在线和移动银行，无论您走到哪里，我们都会在您身边. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.

开始

3 Easy Steps to Apply

1. 在线申请 - You can apply online in as little as 15 minutes! Submit your application online anytime or call 1-800-621-2105 to get started. 准备好你的政府签发的身份证(驾驶执照，州身份证或护照)和 proof of residence.
2. Take our call - 我们将在您提交申请后的一个工作日内与您联系，查看我们需要哪些文件并回答您的问题. We’ll also ask for your vehicle’s value, 使, 模型, 一年, 里程, and VIN if not provided on the application.
3. 就是这样! - We'll contact you with a decision within 1 business day. Once your application is approved, we’ll contact you to sign documents and your loan will be complete!

马上申请

If I have bad credit, can I qualify for an auto loan?

Actually, there are several definitions of "good credit." So if you've had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. There is no cost to do so, 我们的贷款工作人员将与您一起寻找方法，使您的贷款申请获得批准.

What 保险 requirements do you have for auto loans?

When you have an 汽车贷款 with 元素 Financial, 你必须承担全面的保险，包括综合和碰撞的贷款价值. 元素 offers an array of 保险 当您向我们贷款时，您还可以向我们投保您的车辆. 得到一个 free online quote from 元素 Financial 保险 Group today. 该应用程序是免费的，全天候可用，并且可以在任何您有互联网接入的地方访问. If you would rather apply in person, then come on into a 分支 convenient to you! 我们友好的财务健康专家在这里以任何方式帮助你，他们可以. Or you can call us at 1-800-842-5936 if you would like to discuss further options before applying. 

How long will it take to receive my vehicle title after I pay off my 汽车贷款?

If your loan is paid off with guaranteed funds (Cashier's check, Cash, 或新的贷款收益)留置权卡或所有权将邮寄给适当的一方尽快. If the loan is paid off with a personal check, we will wait 10 business days before we release the lien card or title.

了解更多 about titling your vehicle.