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Eastman Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 October 2023
Fact checked

A quick review of Eastman Credit Union auto loans

Eastman Credit Union (ECU) logo

Eastman Credit Union (ECU) has competitive and personalized auto financing choices for a wide range of customers. Additionally, ECU members can get lower rates and extended loan terms of up to 120 months. Whether it’s for a relaxing drive or an outdoor adventure, members can select from multiple vehicle loans for cars, motorcycles, boats, trailers, and more.

Want to see what an Eastman auto loan will cost? Try the Eastman Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Eastman Credit Union auto loan features

  • Minimum loan amount: $1,000.
  • Maximum loan amount: Up to 125% financing.
  • Interest rates: From 5.85% to 13.09% APR.
  • Loan terms: Up to 120 months.
  • Loan fees: No application fees.
  • Discounts: Possible lower rates for qualified members.

EASTMAN CREDIT UNION LOAN OPTIONS

New and used vehicle loans

Whether you want to purchase or switch your loan, you can finance your vehicle at affordable rates. You can secure new auto loans ranging from 5.85% to 12.44% APR. Then, used auto loans start at 6.05% to 13.09% APR. Plus, loan terms stretch up to 120 months.

Recreational vehicle and powersport loans

Eastman also has tailored loans for recreational and powersport vehicles. For as low as 5.85% to 8.80% APR, you can finance new vehicles. Meanwhile, rates for used RVs and powersport vehicles range from 6.05% to 9.29% APR. This type of loan is for a variety of vehicles, including boats, motorcycles, trailers, campers, watercraft, ATVs, and more.

Eastman Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Eastman Credit Union

Eastman Credit Union auto loan

Eastman Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Eastman Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an Eastman Credit Union auto loan

Eligibility criteria

Though ECU doesn’t list the specific requirements for auto financing, you typically should be:

  • A member of Eastman
  • 18 years old or older
  • Employed or have a steady source of income

Each lender differs in credit standards. But generally, credit unions offer their most favorable loans to members in good credit standing. So, try to check your credit score before applying.

How to join Eastman

To qualify for membership, you need to meet one of the following criteria:

  • A family member of an eligible Eastman member
  • Employed in one of ECU’s sponsor companies or contractors
  • Live, work, worship, study, or operate a business in certain areas in Virginia, Tennessee, and Texas
  • A worker in the healthcare industry in Smyth or Tazewell Counties in Virginia

What you’ll need to have ready

When you apply for auto financing with Eastman, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide ECU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

In case you plan to refinance your auto loan, Eastman Credit Union also requires a 10-day payoff. Preparing the required documents ahead can help you fast-track your loan application and drive your car sooner.

Ways to apply for an Eastman Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 999-2328

Additional Eastman auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a few minutes to a few weeks based on your situation.
  • Rate discounts: Potential lower APRs for members with high credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, in a branch, by mail, and over the phone.
  • Hardship program: Skip-a-payment program available. (Download form)

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Additional restrictions may apply to over 20-year-old collaterals.

PROS AND CONS

Pros

  • Low interest rates.
  • Up to 125% financing.
  • Extended loan terms up to 120 months.
  • No application fees.
  • No prepayment penalties.
  • 24/7 application through the web or phone.
  • No payment for 90 days.
  • Optional GAP insurance and extended warranties available.
  • Multiple partner dealers across VA, TN, and TX.
  • On-site application at select dealers.
  • Prequalification and pre-approval available online.

Cons

  • Undisclosed late fees.
  • Members with low credit scores may receive higher APRs.
  • Limited to Eastman members.
  • Unspecified vehicle restrictions.

Frequently asked questions

What is the phone number for the Eastman Credit Union auto loan?

You can reach ECU at (800) 999-2328.

How much interest does Eastman charge on car loans?

Note that your APR depends on several factors, like your credit history, underwriting criteria, and loan amount. New auto loans range from 5.85% to 12.44% APR, and used auto loans range from 6.05% to 13.09% APR.

How many pay slips does ECU require during my auto loan application?

You need to provide your two most recent pay stubs. If you’re self-employed or retired, you can submit your last two tax returns.

How much do I qualify for with an Eastman Credit Union auto loan?

You can borrow up to 125% of the vehicle. However, keep in mind your maximum loan amount will be based on your loan history, underwriting criteria, loan amount, and loan to value.

How to apply for vehicle finance with Eastman?

You can apply for an auto loan online, over the phone, or in an ECU branch near you. Alternatively, you can directly go to a partner dealer and apply on-site.

What do I need to qualify for a car loan at ECU?

You need to provide proof of identification with your photo and current address and your pay slips. Depending on your application, you also need your vehicle identification number or dealer worksheet.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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