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 2021+ 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 2008 to 2014, 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
Auto Refinance
Save money and set up loan terms to fit your needs by refinancing your current auto loan with us. Excite Credit Union’s refinance process is quick and easy, with approval in hours not days.
In addition to having more cash in your pocket each month, some benefits of refinancing with us include:
- No payment for 90-days
- Special 1% interest rate discount
- No prepayment penalties
- Loan terms from 24-84 months
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
Settle For Only The Best With Excite Credit Union
Additional perks with Excite
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
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
*APR=Annual Percentage Rate.
1 1% off current Excite Credit Union rate with a max term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Excite Credit Union members. This is a buy down rate. Offer valid only on Enterprise Car Sales vehicles purchased by 12/31/21. This offer cannot be combined with any other offer, and is subject to change without notice. All loans subject to credit approval. Rates and terms subject to change without notice. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.
2 For a period of seven days after the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 restocking fee (as allowed by law). Restrictions apply.
3 Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager.
4 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.