- Apply Online with Confidence
- Get Pre-Approved with No Application Fee
- Easy Dealership Financing
- Flexible Loan Terms for Your New or Used Vehicle
Find the Right Loan for the Right Ride
Whether you're buying a new or used car, motorcycle, or recreational vehicle, our My Way Auto Loan gives you more flexibility to choose a loan term and monthly payment that fit your budget.
Buying a vehicle or refinancing an auto loan from another lender? You may qualify for a $300 promotional offer when you finance with AACU.
Refinancing from another financial institution? We'll also waive the refinance fee.
- Current AACU members opening an eligible new auto loan or refinancing an auto loan from another lender.
- New members who join AACU and open an eligible auto loan or refinance an auto loan from another lender.
Use offer code NEWAUTO25¹ when applying online, in person, or over the phone.
Auto loans currently financed with AACU are not eligible for refinancing under this offer. Additional offer terms and eligibility requirements apply.
Auto Loan Calculator
See how different loan amounts, interest rates, and repayment terms could affect your monthly payment. Try a few combinations to find what fits your budget.
Skip-A-Pay
Need a little room in your budget this month? If you have an eligible AACU consumer loan, you may be able to skip a scheduled monthly payment.
- Simple application process
- $35 fee per skipped payment⁶
- Skipped payment added to the end of your loan term
- Eligibility and approval requirements apply
To request Skip-A-Pay, call 719.593.8600 or 800.223.1983.
Auto Loans - AACU Auto Loan FAQs
- Locations & ATMs
Find an AACU branch or ATM, or locate thousands of surcharge-free ATMs or shared branch locations in the U.S. and Canada.
- Online & Mobile Banking
Did you know online and mobile banking is loaded with great features? Easily access your loans and make payments!
- Loan Rates
Check out current rates for auto loans, personal loans, and a line of credit!
- Schedule An Appointment
You deserve answers to all your financial questions! Schedule an appointment with an expert loan officer today to get all your questions answered!
1 Offer available for a limited time and valid on qualifying new auto loans or auto loans refinanced from another lender. Existing AACU auto loans are not eligible. Applicant must mention promo code NewAuto25 at the time of application to qualify. Minimum loan amount $15,000. Vehicles must be under 150,000 miles and have no branded titles. Maximum term 84 months. Minimum FICO score 640. All loans subject to credit approval. Rates and terms vary based on creditworthiness and collateral. Reward will be deposited to the member’s AACU savings account within 24 hours of loan funding. $300 incentive may be reported on IRS form 1099 and may be subject to taxation. Offer subject to change without notice. Other restrictions and requirements may apply. Membership requirements apply. Offer cannot be combined with any other offer.
2 APR= Annual Percentage Rate
3 Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 66 monthly payments of $17.71 per $1,000.00 borrowed at 5.74% APR on 2023 or newer vehicles. Down payment may be required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.
4 Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 120 monthly payments of $12.94 per $1,000.00 borrowed at 9.49% APR on 2023 or newer recreational vehicles. Down payment is required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.
5 Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 78 monthly payments of $17.48 per $1,000.00 borrowed at 9.99% APR on 2023 or newer motorcycle. Down payment may be required. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.
6 Skip-A-Payment does not apply to real estate loans, Smart Solution Loans, overdraft repayment loan, lines of credit or credit cards. Your skipped payment will be added to the end of your loan term, and normal interest charges will continue to accrue. Must meet program requirements. Incurs one time fee of $35.00. Fee must be paid by member at time of application (cannot be added to loan balance). Interest continues to accrue on outstanding loan balance, and may extend maturity date of loan. Other restrictions apply.
Equal Opportunity Lender. Membership Requirements Apply. Restrictions and requirements apply. Subject to approval. Rates and terms are subject to change without notice. Some loan types may require a down payment. My Way Loan is a registered trademark of Air Academy Federal Credit Union.