Auto Loan Purchase, Refinance or Debt Consolidation

Auto Loan Purchase, Refinance or Debt Consolidation

Whether you are buying or refinancing your car, going back to school, looking to expand your family or simply consolidating debt, ACCU can help. Fast and easy approval - let us provide you with our FREE Financial Check-up. See how much you can save today!

Is it your first car? We even have a car buying program for young adults with no credit history. Are you looking for a better car with lower rates? We have a Smart Buy Auto Loan just for you. Click on the Tabs below for details.


If you already own your car outright or if your car is worth more than you owe with another financial institution, our auto equity loans can work for you.

Use the equity in your car for cash or lower your rate by refinancing with us.

See our current rates.

*Annual Percentage Rate. Loans subject to credit approval. Rates, terms and conditions are subject to change without notice. For 1.99% rate; loan minimum $10,000/value of $15,000, vehicle age no older than 3 model years back. Max term 60 months, longer terms available for nominal rate increase. 1.99% rate not valid for refinance of current ACCU loans. For a $15,000 car loan with a 60 month term at 1.99% APR, the monthly payment will be $262.85. Used cars are subject to KBB valuation.

First Time

Our First Time Car Buyer Program is designed for young adults with no credit history. You may find it difficult to find loan approval at many financial institutions, but America's Christian CU is committed to helping you gain your financial footing.

  • No credit history required
  • Loans available for ages 16 and up
  • $50 Visa® gift card upon loan approval*
  • Personalized guidance through every step

*Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.


Auto Buying Discount through TrueCars

  • No haggle car buying discount service
  • No restrictions on makes or models
  • Driven by local dealer participation

Click here to learn more.

Auto Buying Discount through Enterprise Car Sales

  • No haggle car buying discount service
  • Thousands of makes and models
  • 109 Point Inspection by an independent, Certified ASE Technician
  • 7 Day Repurchase Policy and 12/12 Limited Powertrain Warranty

Click here to learn more.