Auto Loans in Louisiana & Texas
Credit Union Auto Loans
Whether you’re shopping for your first car, upgrading to something more reliable, or just ready for a change, Essential Credit Union can help you get there. Our credit union auto loans combine affordable rates with flexible terms to make your car-buying experience easy and stress-free.
When you finance with Essential, you’ll enjoy:
- Competitive Rates that rank among the best rates for auto loans in Louisiana
- Low $5,000 Minimum Loan Amount
- Flexible Terms for vehicles up to 9 years old
- Up to 100% Financing (and as much as 125% for qualified members)
- No Prepayment Penalty
- Skip-A-Pay Options to help manage your budget
- Lending Protection
- GAP Insurance available
- Mechanical Repair Coverage
- Payment Reminders via Message Pay
We proudly offer auto loans in Louisiana and Texas at our convenient branch locations in Baton Rouge, Plaquemine, Houston, Gonzales, and Walker.
How much can you borrow for your next car?
36 Months
Borrow up to:Loan Amount
75 Months
Borrow up to:Loan Amount
All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, and/or surcharges, and loan term.
Get Pre-Approved for an Auto Loan Today
Take the guesswork out of buying your next vehicle. With credit union car financing, pre-approval gives you a clear idea of your budget before you start shopping.
Call an Essential representative toll-free at 1.888.369.2207, visit one of our branches, or apply online to get pre-approved. Be sure to request your Pre-Approval Certificate to take with you when you visit the dealership.
Auto Shopping Assistant
Our Auto Shopping Assistant connects you with our list of Preferred Dealers, making it easier to find the right vehicle and financing all in one place. We also have a list of repossessed vehicles for sale for you to consider.
If you’re ready to explore affordable vehicle loans in Louisiana, our team is here to help. Contact us today to learn more about auto financing, auto loan pre-approval, or credit union car financing through Essential.
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