Auto Loans

Auto Loans

You're going places. Let's get you moving.

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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

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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.

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CarFax can be a valuable tool when purchasing a used car, as it provides a detailed history report that can highlight potential issues with the vehicle. We offer our members complimentary access to CarFax reports, ensuring they have all the necessary information to make an informed decision.


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.

Plug into the savings

Did you know? Embold offers a 0.25% rate reduction on EV, PHEV, and Hybrid vehicles. We even offer the option to include financing of up to $2,000 for the purchase of an EV connector! Making a change for the better, for the environment, and your wallet is possible in three easy steps—

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Find Your Dream EV

Ready to ditch your gas guzzler, but not sure where to start? Our experienced and helpful friends at Carfax are ready when you are! Already have your eye on your dream EV? Even better!

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Apply and Get a Lower Rate

You’ve made a commitment to reduce your carbon emissions, so let us reduce your rate! Eligible EV, PHEV, and Hybrid vehicles qualify for a 0.25% rate reduction. Not sure if the car you’re looking at qualifies? Click here to verify!

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Live the Life Electric

You’ve done it! Your new electric vehicle is yours to carry you from one adventure to the next. Rest easy knowing that not only are you saving the environment, you’re saving dollars in your pocket for tomorrow.

Electric vehicle (EV) chargers come in all shapes and sizes to fit a variety of needs, ranging from Level 1 to Level 3. The type of charging station you use depends on your vehicle and energy consumption needs. Take a moment to think about the amount of driving you do, how much time you have to wait for your battery to charge, and how close you might be to a charging station. Here’s the breakdown—

Level 1: Your Basic Wall Plug

Level 1 chargers are intended for use with standard, alternating current (AC) electrical outlets, like the ones you’d use to charge your phone other electronic device. And because wall outlets in your home are meant to charge much smaller batteries than a car battery, this method takes a longer amount of time—it’s about 20 hours of charging time to go 120 miles.

Level 2: Most Public Charging Stations

Level 2 chargers also use an AC electrical current, however they deliver more juice faster to your EV’s battery at 240 volts and can charge the battery anywhere from five to seven times faster than a Level 1 charger. Level 2 chargers are also recommended for those with larger batteries, and for those who might make longer commutes and require faster, more frequent charging.

Level 3: Chargers that Go the Distance

Level 3 chargers are special because instead of using AC to charge your battery, they use direct current (DC). DC, also known as “fast charging”, allows you to get the quickest re-charge of any charging station out there (from 30kW to an impressive 360 kW). However, the caveat to Level 3 chargers is that they require special plugs to connect that are different than the standards for Level 1 and Level 2, known as the “J1772 standard”. At the moment, these are the three types of connector plugs that work with Level 3 charging stations:

  • CHAdeMO: created by a completely different company than the ones that set the SAE standards, and therefore use a different plug construction
  • SAE Combo (also called CSS, combo charging system, or just “combo”): an SAE standard connector that combines a smaller J1772 plug with a DC connector to deliver extra power
  • Tesla connector: works with the company’s type 2 charging network and its type 3 Supercharger stations

Yes, the EV connector is only available at the time of purchase for new and used electric vehicles. We cannot add it after the purchase.

Current rates

Auto Loan Rates (All)


APR¹ as low as

Member Perks APR1,2

Rates effective as of July 1, 2024. Apply now!


New Autos

APR¹ as low as


Member Perks APR1,2



Used Autos

APR¹ as low as


Member Perks APR1,2




APR¹ as low as


Member Perks APR1,2




APR¹ as low as


Member Perks APR1,2




APR¹ as low as


Member Perks APR1,2



ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.)

APR¹ as low as


Member Perks APR1,2


Let's run the numbers

Proof of Insurance Required

One of the terms of your loan agreement is a requirement to provide proof of insurance protecting our interest in your vehicle. If requested, gather your insurance information and the letter that we mailed to you, and submit your info here.

Submit insurance info

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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.

Skip a payment
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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.

Change my due date
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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.

Make an appointment
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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.

Submit my info

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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. $500 closing cost credit on first mortgage loans and $250 closing cost credit on HELOCs and RELOCs. Required products include: a savings account, a checking account, enrolled in eStatements, 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.