汽车贷款

我们将贷款给你买新车或二手车, 你将在一段时间内连本带利地偿还.

提前计划是很好的 获得汽车贷款的预先批准. That way you can have a better idea of what price range you should be shopping for. 获得预先批准也会给你与卖家讨价还价的优势.

元素可以为你的汽车提供高达价值120%的贷款，包括税收和执照. 不过，先付至少20%的定金是个好主意. 当然，你预付的钱越多，你每月的还款额就越低.

我们知道买车可能会让人有点不知所措. 不要害怕! 我们有 可以让你的过程更容易的伙伴关系.

开始

是的. 当你从元素获得汽车贷款时, 你直接与贷款人合作，而不是通过中间人. 经销商将收取安排贷款的费用, 所以它最终会比通过元素更昂贵.

买车时提前考虑总是一个好主意. 申请汽车贷款 before you begin shopping so you can negotiate your deal with a preapproval for financing in hand. 这样你也知道你要买的是什么价位. 

得到预先批准

是的! 我们有几个合作伙伴，可以使汽车购买轻而易举.

• 首选汽车经销商 - If you'd like the convenience of shopping directly at the lot, visit our 首选汽车经销商. 我们有 partnered with 印第安纳波利斯-based auto dealers to bring you fantastic deals and great rates, 以及无与伦比的服务. 了解更多.
• 企业用车销售 - Did you know that buying at 企业用车销售 is different than buying from anyone else? Enterprise has more than 250 使s and 模型s, so you can find exactly what you're looking for. 了解更多.
• 购车服务 -会员汽车资源的使命是提供专业的, 无痛, 购买或租赁新车或二手车的经济有效的方式. Their goal is to provide you all the information available in order to 使 the best buying decision. 了解更多.

汽车贷款没有预付罚金或年费.

元素 auto loans include a documentary fee of $225 on all booked auto loan applications.

Refinancing of an existing 元素 auto loan is also subject to an additional $200 refinance fee.

如果得到批准, funds will be made available to the dealer or seller directly via an electronic transfer or check.

是的. 作为你财务健康的提供者, 我们想确保你有保险, 不管发生什么事. 这就是我们提供贷款和资产保护计划的原因. 这只是我们为你争取最大利益的又一种方式.

保护你的购买, the following programs are available and can be wrapped into your monthly payments:

• 机械故障保护(MBP), 也被称为延长保修, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. 在合同有效期内, you are assured that covered components of your vehicle will be repaired in the event of failure. 这包括劳动力，但须遵守任何适用的免赔额. 了解更多.
• 保证汽车保护(GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. 了解更多.
• 债的保全 在不确定和紧张的时候保护你的信用评级. Your loan payment will be cancelled or suspended for a period of time without penalty, 添加兴趣, 或者在承保事件发生时被信用局报告为拖欠. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. 了解更多.

像银行一样，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率和更低的贷款利率.

可信的建议. 新鲜的方法.

我们以成为值得信赖的金融教育机构而自豪. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally⁴. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared 分支es nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

我们的技术使使用元素进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3个简单的步骤应用

1. 在线申请 - 你可以在短短15分钟内在线申请! 随时在线或致电提交您的申请 1-800-621-2105 开始吧. Have ready your government-issued ID (driver’s license, state ID, or passport) and 居住证明.
2. 接我们的电话 - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 我们还会询问您车辆的价值, 使, 模型, 一年, 里程, 及身份证号码(如没有在申请表上提供).
3. 就是这样! - 我们会在短期内通知你 1个工作日. 一旦你的申请被批准, 我们会联系你签署文件，然后你的贷款就完成了!

马上申请

如果我信用不好，我有资格申请汽车贷款吗?

实际上，“良好信用”有几种定义.“所以，如果你过去有过信贷困难, 了解我们是否能帮助你的最好方法是申请贷款. 这样做没有成本, and our loan staff will work with you to look for ways to get your loan request approved.

你们对汽车贷款有什么保险要求?

当你有汽车贷款元素金融, you must carry full coverage that includes comprehensive and collision for the value of the loan. 的数组 保险 products and, when you have your loan with us, you can also insure your vehicle with us. 得到一个 免费在线报价 今天从元素金融保险集团. The application is free, available 24/7, and accessible anywhere that you have Internet access. 如果你想亲自申请，那就到办公室来 分支 你方便吗?! Our friendly Financial Wellness Experts are here to help you in any way that they can. 或者你可以打电话给我们 1-800-842-5936 如果你想在申请前讨论更多的选择. 

在我付清汽车贷款后，需要多长时间才能收到我的车辆所有权?

如果你的贷款是用担保资金偿还的(银行本票), Cash, or new loan proceeds) the lien card or title will be mailed to the appropriate party as soon as possible. 如果贷款是用个人支票偿还的, 我们将等待10个工作日，然后我们释放留置权卡或所有权.