Vehicle Loans

Go from zero to zoom with a car loan from Excite!

New Vehicles

Whether it’s your first brand-new vehicle or one of many, taking home a gleaming new car is an experience unlike any other. Rely on the professional loan officers at Excite Credit Union to help get you from here to there.

New vehicle loans include any vehicle with a model year of 2019+ holding less than 20,000 miles. New vehicle financing features include:

  • Exclusive discounts for Excite checking accounts, auto drafting, ≤ 85% LTV ratios, and Electric Vehicles.
  • No payments for 90 days with qualification
  • Refinancing options for certain vehicles
  • Competitive APR* and low-interest rates
  • Exclusive discounts and savings for Enterprise Car Sales
  • Stress-free car buying with AutoSmart technology
  • Up to 125% financing from MSRP Kelley Blue Book retail value

Older Vehicles

If your current ride falls someplace beyond the used vehicle limit, never fear! Excite Credit Union’s older vehicle policies are here, and they’re ready to save you money on every mile driven.

Our older vehicle loan options exist for cars that are model years 2006 to 2012, at a 150,000-mile maximum. Take advantage of the competitive savings and flexible term length options, boasting features that include:

  • Terms lengths ranging from 24 to 84 months
  • Zero prepayment penalties
  • No payments for 90 days with qualification
  • Specialty term lengths and programs
  • Up to 115% financing available

1st Time Auto Buyer Program

Define your freedom with Excite Credit Union’s 1st Time Auto Buyer Program, a system that prepares you for your first set of wheels and rewards you for it, too. Enjoy the vibe of ownership while getting a first-class auto loan education, followed by superior financing.

Enjoy a host of benefits that include:

  • No credit history necessary
  • No payments for 90 days with qualification
  • New and used vehicles financing
  • Up to 115% of vehicle’s KBB
  • 72-month maximum term lengths

Car Buying Resources

enterprise-logo.png  Car Sales

Purchase a car through our partnership with Enterprise Car Sales and get a 1% APR* discount on your Excite auto loan rate1.

  • 7-day buyback if you change your mind2
  • 12-month/12,000 mile powertrain warranty3
  • 12-month roadside assistance4
  • Free CARFAX® vehicle history report
  • Trade-ins welcome

Find a car with Enterprise!

 

AutoSMART.PNG

Make car buying research stress-free with our partners at AutoSMART

  • Easily compare different makes and models
  • Find a list of certified dealers
  • Tips and tools on credit scores, trade-ins and more

Find a car with AutoSMART!

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