Auto Loans
You're going places. Let's get you moving.
Whether your dream ride is a 4×4 or a two-door, our great rates and fast approvals will get you behind the wheel and on the road.
Find your perfect match
Embold Loans at Your Local Dealership
You can apply for an Embold loan at select dealerships since we’ve teamed up with Credit Union Direct Lending (CUDL). Visit our Embold CUDL website, AutoSMART, to find a dealership, browse inventory, research vehicles, or sell your car.
Auto Buying Support
Need help navigating the car-buying process? Our auto-buying expert Russ Johnson can guide you through your next purchase with more confidence and less hassle. Visit Auto Mentors to get started, or reach out to Russ directly.
Russ Johnson: (503) 654-1244
russ.johnson@automentors.com
Protect your purchase
Mechanical Repair Coverage
Mechanical Repair Coverage (MRC) provides protection even after your manufacturer’s warranty expires, minimizing the cost of unexpected repairs.
- Add-on miles coverage for new & used vehicles
- Rental coverage
- Roadside assistance
- Emergency travel reimbursement
- Transferable coverage
Call (503) 656-0671 for details or contact us.
Guaranteed Asset Protection
Purchase guaranteed asset protection (GAP) to help protect your financial security in case your vehicle is totaled or stolen. GAP reduces the difference between your vehicle’s value and your loan balance, based on the provisions and conditions set forth in the waiver. You can add GAP coverage when you buy your vehicle.
Call (503) 656-0671 for details or contact us.
Discounts on Insurance
Banking Boldly has its rewards. As an Embold member, you can put more cash in your wallet each month with discounts on insurance. Our friends at TruStage® Insurance4 can help you get a great policy and save you money.
Current rates
|
Product |
APR¹ as low as |
Member Perks APR1,2 |
|---|---|---|
|
Rates effective as of March 27, 2023. |
||
|
Product New Autos |
APR¹ as low as 6.52% |
Member Perks APR1,2 6.27% |
|
Product Used Autos |
APR¹ as low as 6.77% |
Member Perks APR1,2 6.52% |
|
Product RVs |
APR¹ as low as 7.06% |
Member Perks APR1,2 6.81% |
|
Product Boats |
APR¹ as low as 7.06% |
Member Perks APR1,2 6.81% |
|
Product Motorcycles |
APR¹ as low as 8.06% |
Member Perks APR1,2 7.81% |
|
Product ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.) |
APR¹ as low as 9.06% |
Member Perks APR1,2 8.81% |
We're here to help
Skip a Payment
Life happens. Most Embold loans allow you to request a skip payment for a low fee. Skip this month’s payment with no impact on your credit score, and use the money you save to get back on track.
Change Your Due Date
Sometimes arranging your month differently can help you maximize your paycheck-to-payment ratio. If you want to move the due date for your loan, use our handy form and email us, drop it off at any branch, or send it via snail mail.
Payment Protection
When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment by a little to increase your peace of mind by a lot.
Proof of Insurance
One of the terms of your loan agreement is a requirement to provide proof of insurance protecting our interest in the collateral. Gather your insurance information and the notice that we mailed to you, and submit your info by clicking below.
Let's run the numbers
We're here to help
Disclosures
1) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria.
2) Member Perks: On your fourth product, take advantage of a 0.25% rate increase on share certificates or 0.25% decrease on fixed rate and term loans. Required products include: a savings account, a checking account, and one additional deposit or loan product.
3) For details, see our Truth in Lending document.
4) TruStage® Auto and Home Insurance program is offered by TruStage® Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.