How Much Car Can You Afford?
Discover how much car you can afford with Eagle’s comprehensive vehicle loans. Use our loan payment calculator to find the best financing options tailored to your budget. Our flexible terms and competitive rates make it easy to drive away in your dream car today. Start your journey with us now!
Our Loan Benefits
Discover the freedom and flexibility Eagle’s exceptional loan benefits provide you with:
- Enjoy financing up to 120% LTV, which covers not just the cost of your vehicle but also taxes, license fees, and insurance - ensuring you can drive away without financial strain.
- Take a breather with our No Payments for 90 Days option**, giving you the space to adjust without immediate financial pressure.
- Best of all: Apply worry-free as there are absolutely no application fees or pre-payment penalties, providing you the flexibility to manage your loan on your terms.
- Plus, we have up to 1.00% rate discount available: earn a 0.25% discount for setting up automatic payments from an Eagle Checking Account, another 0.25% for maintaining an 80% loan-to-value ratio, and an additional 0.50% discount if you’ve had a prior Eagle loan.
But there's more to discover! Explore our Auto Loan Programs designed to turn your dreams into reality:
- REFINANCE - Have an auto loan financed elsewhere? Let us help you lower your rate which can lower your monthly payment.
- LEASE BUYOUT - Eagle, in collaboration with Lease Buyout Center, will process your lease buyout easily and effortlessly. With a streamlined process you are able to purchase your leased car online and financed with Eagle's great rates!
- RATE SAVER PROGRAM - If your credit score has taken a few hits, we can help! When you make 12 consecutive on-time payments to your Eagle Auto Loan, we'll lower your rate by 1% APR.t .You can get up to four rate reductions over the life of your loan. This program is uniquely designed for members with imperfect credit, ask us to see if you qualify.
- FIRST-TIME BUYER - If you have none or limited credit, we have a special First Time Buyer program to help you qualify for an auto loan by yourself. Ask us for more details, or apply today!
- SKIP PAY - All Eagle Vehicle Loans are eligible to skip a monthly payment for $50 once 12 months of consecutive on-time payments have been made.
Up to 1.00% rate discount applies to vehicle loans if eligible (0.25% for autopay from Eagle checking, 0.50% for loan loyalty and 0.25% for ≤ 80% LTV).
New Auto
Effective Date: Wednesday, April 30th, 2025
| Term | APR* Range | Financing |
|---|---|---|
| Up to 60 Months | 5.69% - 16.69% | Up to 125% |
| 61-72 Months | 5.94% - 17.19% | Up to 125% |
| 73-84 Months | 6.44% - 12.69% | Up to 125% |
| *APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. | ||
| Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. | ||
Used Auto
Effective Date: Wednesday, April 30th, 2025
| Term | APR* Range | Financing |
|---|---|---|
| Up to 60 Months | 6.69% - 20.69% | Up to 125% |
| 61-72 Months | 6.94% - 21.19% | Up to 125% |
| 73-84 Months | 7.44% - 16.69% | Up to 125% |
| *APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. | ||
| Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. | ||
| Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. | ||
Loan Protection – Protect your vehicle
Loan protection products safeguard your financial commitments, ensuring peace of mind by covering loan repayments during unforeseen events such as illness, injury, or unemployment. Join us in safeguarding your future and achieving peace of mind. Embrace a worry-free financial journey today!
Debt
Protection
- Comprehensive Coverage: offers peace of mind for unexpected events such as accidents, job loss, or the death of a loved one, safeguarding your financial stability.
- Loan Payment Relief: Automatically reduces or cancels your loan repayments during major life disruptions, easing your financial burden.
- Family Protection: Secures your family from the responsibility of loan debts in the event of your passing, ensuring their financial well-being.
- Streamlined Claims Process: Quick and straightforward claims process for a range of life events, available exclusively to members with an active Debt Protection contract from ECCU.
Guaranteed Asset
Protection (GAP)
- Financial Safety Net: Guaranteed Asset Protection (GAP) covers the difference between your vehicle's market value and the remaining loan balance if it's totaled or stolen, ensuring you're not out of pocket.
- Debt Clearance: In the event of a total loss, GAP takes care of leftover debt after insurance payouts, freeing you from financial obligations linked to a non-existent vehicle.
- Affordable Security: For a small addition to your loan terms, GAP provides substantial financial protection, making it a cost-effective choice for peace of mind.
- Broad Coverage: GAP includes coverage for a wide range of incidents, including theft and accidents, offering comprehensive protection beyond standard auto insurance.
Mechanical Breakdown
Insurance (MBI)
- Extended Protection: Mechanical Breakdown Insurance (MBI) extends beyond standard warranties, covering the cost of unexpected repairs and mechanical failures, ensuring your vehicle stays in top condition without unforeseen expenses.
- Cost Efficiency: MBI offers significant savings on repairs and maintenance, potentially covering parts and labor that warranties do not, making it a financially smart choice for long-term vehicle care.
iLocate
- Enhanced Security: iLOCATE's state-of-the-art GPS technology protects your vehicle against theft, giving you peace of mind and potentially lowering insurance premiums.
- Vehicle Connectivity: Upgrade any new or used vehicle with iLOCATE to access cutting-edge connected car features, enhancing safety, navigation, and vehicle management anytime after purchase or during financing.
healthCAR
- Comprehensive Protection: healthCAR offers a robust vehicle protection plan that covers older vehicles up to 20 years with no expiration on coverage as long as premiums are paid, ensuring reliable protection even as your car ages.
- Cost-Efficient Coverage: With affordable monthly payments, a low $100 deductible for repairs, and unlimited mileage protection, healthCAR makes it financially viable to maintain older or high-mileage vehicles without the stress of unforeseen repair costs.
- Added Value for Families: The program extends benefits like roadside assistance to your dependents, making it an ideal solution for college students driving far from home, ensuring safety and support wherever they are.
Ask us for more details when you are ready to finance your loan with Eagle.
