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Vehicle Loans

You've done the research and found your dream car.  Let us handle the financing and get you in the driver's seat.

Auto Loans: Buying New or Used

Whether buying a new or used vehicle from a dealer or a private seller, we strive to offer the best deal possible. Our low rates, member-friendly terms, affordable payments, and optional protection products are designed to fit your unique borrowing needs.

Get Pre-Approved

Attaining pre-approval ahead of time may give you additional negotiating power to purchase your vehicle at the best price. And knowing how much you can spend will keep you within your budget. You'll understand how much you can afford and the approximate amount of your monthly payments before you even start shopping.

Refinance Your Current Auto Loan

Upgrade your current auto loan and bring it to us for a great money-saving opportunity. We may be able to refinance your auto loan with a lower rate, reduced payment, and/or a shorter term. 

Bump your high-interest car payment and save with a refinance! Rates as low as 2.49% APR.
*APR=Annual Percentage Rate. The 2.49% APR is available for a term up to 36 months, for current or previous model year vehicles with 10,000 miles or less, and applicants with a credit score of 730 or better. Not all applicants will qualify for this rate. The APR, term, and payment amount you may qualify for will depend on your credit worthiness. The maximum rate is 19.99% APR. A sample monthly payment for a $20,000  auto loan at a rate of 2.49% (2.583% APR) is approximately $577.74 per month for a 36 month term. All rates, terms, conditions, and promotions are subject to change without notice.

Loans FAQs



Light Bulb Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

Skip-A-Pay

New and Used Auto Loans are Skip-A-Pay eligible!  Keep more money in your pocket by skipping one qualifying loan payment each calendar year. Learn more about Skip-A-Pay and submit your application today!

Get Over 150 Channels of Awesome with SiriusXM®

You may be eligible for a Free 3-Month All Access SiriusXM® Trial Subscription with your next used auto loan! Turn on all the best commercial-free music, plus every major sporting event, and the biggest names in entertainment, news, and comedy all at the push of a button. The All Access Trial includes streaming so you can listen online, or on the app - All with no credit card required.  

Ready to Apply?

Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you.

Whether your idea of recreational fun includes a motorcycle, RV or boat, we’ve got you covered.

Motorcycle/RV Loans: Buying New or Used

Whether buying a new or used motorcycle or RV from a dealer or a private seller, we strive to offer the best deal possible. Our low rates, member-friendly terms, and affordable payment options are designed to fit your budget.

Get Pre-Approved

Attaining pre-approval ahead of time may give you additional negotiating power to purchase your motorcycle or RV at the best price. And knowing how much you can spend will keep you within your budget. You'll understand how much you can afford and the approximate amount of your monthly payments before you even start shopping.

Refinance Your Current Motorcycle/RV Loan

Upgrade your current motorcycle or RV loan and bring it to us for a great money-saving opportunity. We may be able to refinance it with a lower rate, reduced payment and/or a shorter term.

Loans FAQs



Light Bulb Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

Skip-A-Pay

Motorcycle and RV loans are Skip-A-Pay eligible! Keep more money in your pocket by skipping one qualifying loan payment each calendar year. Learn more about Skip-A-Pay and submit your application today!

Ready to Apply?

Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you.

As part of our commitment to providing the best member benefits, Emerald offers a suite of affordable protection products to help safeguard your investment. 

Guaranteed Auto Protection (GAP)

What happens when your car is totaled, but the insurance company doesn’t pay off the entire balance of your auto loan?  You are stuck paying the difference, the “gap,” out of your own pocket.  That hurts.  Let Guaranteed Auto Protection pay the difference for you instead!

Emerald offers GAP Plus with Auto Deductible Reimbursement for your new or existing auto loan.  In the event that your car is deemed a total loss, GAP will not only pay off the left over loan balance, but you are also eligible to receive $1000 towards the purchase of a replacement vehicle, as long as it is financed through Emerald within 90 days of the GAP claim being paid.

Auto Deductible Reimbursement is an added benefit that pays up to $500 per accident when a claim is filed and paid by the insurance company for any vehicle that you own or lease (as proven by the title), whether it’s financed through Emerald or not.  For example, you own a car that is financed through Emerald, and you’ve added GAP to the loan.  You own a second car, not financed at Emerald, that’s been in an accident.  The deductible will be reimbursed up to $500 because you have GAP Plus with Auto Deductible Reimbursement on your car loan at Emerald.  This product will pay for itself time and again.

Extended Warranty

When owning any vehicle, there is always a chance of experiencing a mechanical breakdown, which can be very expensive to repair.  With an extended warranty vehicle service contract, you can have protection against the high cost of vehicle repairs.

All extended warranty plans cover ordinary wear and tear that exceeds the manufacturer’s published tolerances on covered components.  And regardless of the number of components repaired, only one deductible is required to be paid per visit.  The benefits available in all extended warranty pans include:
  • Roadside Assistance Services
  • Rental Car Reimbursement
  • Trip Interruption Reimbursement
  • Manufacturer’s Deductible Reimbursement

Ask a loan officer for complete information regarding all warranty plans. 

Emerald Payment Protection

Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death, disability from an injury or illness, family leave or involuntary unemployment.  Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt.  Emerald Payment Protection may be added to any new or existing loan. 


Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.