Vehicle Loans

When buying a new or used car or truck, many of us think we are stuck with dealer financing. But did you know you can finance your purchase through an auto loan with ACU? We usually offer better rates and terms on the loan, meaning you spend less money overall on your purchase.

We offer up to 120% financing on vehicle value for passenger vehicles and 100% financing for commercial vehicles. We base vehicle value off of MSRP from NADA Guides / J.D. Power for new vehicles and “Adjusted High Retail” from NADA Guides / J.D. Power for used vehicles.

We can finance vehicles up to 10 model years old. We will always match or beat any rate you get from a dealership or through another lender, and we will ensure you get the best GAP protection and Warranties at much lower prices than dealerships. Please always check with us to ensure you get the best financing for your new or used car.

Product Details

• Up to 120% financing on new vehicles
• Competitive rates
• Flexible terms up to 84 months
• GAP coverage to protect your purchase
• Online payment & account management
• Online application and closing process
• Typical loan approval and closing in 24-28 hours

Did you know how quickly you can refinance an existing auto loan and save some money every month? We offer our members a service to help rid them of high-interest loans taken out at dealerships. If you could get a lower rate, especially if your credit score has improved since you purchased your vehicle, why not see what ACU can do?

We will always match or beat any rate you get from a dealership or through another lender, and if we can’t find you savings with a lower rate while keeping your current term, we will always save you at least $5 a month compared to your existing loan!

We will ensure to get you the best GAP protection and Warranties at much lower prices than dealerships.

Product Details

• Up to 120% financing on new and used vehicles
• Competitive rates
• Flexible Terms up to 84 months
• Excellent GAP coverage and Warranties to protect your purchase
• Online payment & account management
• Online application and closing process
• Typical loan approval and closing in 24-28 hours

“SWITCH & DITCH PROMOTION”

This program is valid for Auto, Motorcycle, and RV loans (anything titled through the DMV).

• If you are refinancing a loan from another Financial Institution/Lender
• If your new loan with ACU is at least $10,000

1. ACU will cover the costs associated with refinancing up to $85 (total of the current cost of VSI and MA lienholder fee)
2. ACU will deposit $100 in your ACU at closing 

Are you ready to hit the open road on a new or used motorcycle? We offer up to 120% financing plus flexible terms of up to 84 months for your motorcycle loan.

Product Details

• Up to 120% financing on new and used vehicles
• Competitive rates
• Flexible Terms up to 84 months
• Excellent GAP coverage and Warranties to protect your purchase
• Online payment & account management
• Online application and closing process
• Typical loan approval and closing in 24-28 hours

Sometimes, you need a little help financing a recreational vehicle for you and your family. Boats, RVs, campers, and travel trailers offer the chance to spend time in the great outdoors! We offer up to 100% financing on these vehicles, plus competitive rates that usually beat dealer financing.

Have your eye on a new fishing boat? How about a camper for a bit of summer fun? ACU offers up to 95% financing and flexible terms for new or used boats, campers, and travel trailers.

Product Details

• Flexible terms of up to 180 months for larger loan amounts 
• 100% financing available
• Competitive rates
• Online application and closing process
• Typical loan approval and closing in 24-28 hours
• Online payments & account management

Yes, we can help with these vehicles as well! If you are considering a new or used ATV or snowmobile, please contact us before you finance your purchase with a dealer. Our rates are usually lower with better terms.

Here in the North Quabbin, it is almost a requirement to be a fan of the great outdoors. We have so many areas to explore – why not do your exploring on an ATV or snowmobile? These vehicles often come with dealer financing, and that means higher rates. Why not finance your new or used ATV or snowmobile purchase with us instead?

Product Details

• Up to 100% financing available
• Flexible terms up to 84 months
• Competitive rates
• Online application and closing process
• Typical loan approval and closing in 24-28 hours
• Online payments & account management