Buying a new or used car? Turn to your Credit Union first for financing.
Our rates are below the competition, and you can count on flexible terms and financing up to 120% of the car's Kelley Blue Book value. Interest rates are dependent upon credit worthiness and the term of the loan, with terms extending up to 84 months!
Nikkei Credit Union will also finance the purchase of a car that is 9 model years or newer. For used cars, the term of the loan will vary with the year, make, model and mileage of the vehicle.
What do I need to qualify for a car loan?
When you submit your loan application, we'll be looking at your credit history to determine how much we can finance for you. A good credit history consists of a record of on-time payments to your creditors (e.g. credit cards, other loans).
Are your rates the same for new & used cars?
We have established separate rates for new and used vehicles - check the current loan rates.
Is there an early pay-off penalty?
No. You can make payments toward your loan balance any time and there won't be any penalty fees. Paying off your loan early is certainly a benefit to your finances as it will decrease your total interest payment.
Guaranteed Auto Protection(GAP)
What happens to your car loan if the car gets damaged? Or, what if it's stolen? [Read more about GAP...]
Mechanical Breakdown Insurance (MBI)
Will you be prepared when the mechanic tells you the repairs are not under warranty? [Read more about MBI...]
myEZ Car Care VIP Plan – Click here for more information!