Whether you're driving the kids to school every day or planning a cross-country road trip, it's important to have a reliable vehicle. Let America's Christian Credit Union help finance your next car, truck, or van at a rate that works with your budget.


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

First Time Buyers

Our First Time Car Buyer Program is designed for young adults with limited credit history. You may find it difficult to find loan approval at many financial institutions, but America's Christian Credit Union is committed to helping you gain your financial footing.

  • No credit history required
  • Must have independent means of repaying the auto loan or a qualified co-signer 
  • Competitive rates
  • Manageable terms
  • Maximum loan amount is $15,000
  • Personalized guidance through every step


Car Buying Discounts

Auto Buying Discount through TrueCars

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

 * APR = Annual Percentage Rate.

 ** New and used cars no older than 3 model years back using the Kelley Blue Book Private Party valuation.

Personal Loans

Personal Loan Forms

  • Loan Application ( Print )
  • Home Equity Line of Credit (HELOC) Application ( Print )
  • Auto Pay Debit Authorization Form( e-Sign I Print )
  • CA DMV Power of Attorney ( Print )
  • Skip-A-Payment ( e-Sign I Print )

Auto Loans See Details

Loan TypeRates (APR* as low as)
Traditional Auto 2.99%
First-Time Auto Buyer 9.99%
Small Recreational Vehicles (Watercraft, Motorcycle 5.45%
Recreational Vehicles (Travel trailer, Motorhome, Van conversions, Fifth-Wheel 4.99%

*APR = Annual Percentage Rate.

Loans subject to credit approval.  Not all applicants will qualify. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. The 2.99% APR is available on terms up to 60 months. There is a $25.00 loan funding fee. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelley Blue Book valuation. For a $15,000 auto loan with a 60-month term at 5.99% APR, the approximate monthly payment will be $290.00.

First-time auto buyer: Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice.For a  $15,000.00 auto loan with a 60-month term at 9.99% APR, the approximate monthly payment is $319.00. Loans over $5,000 may require a co-maker. Not all applicants will qualify. Under Age 18 requires co-maker and valid driver's license is required. There is a $25.00 loan funding fee.