Credit union · NCUA insured
Elements Financial Auto Loan Rates
Top CarrotElements Financial auto loan rates start at 5.80% APR. Rates checked October 15, 2026.
How Elements Financial’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where Elements Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Elements Financial
– –
- Terms
- —
- Up to
- —
No ongoing APR published
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Loans available for both new and used vehicles. Finance up to 120% of car's value including tax and license. Private party sales outside of Indiana and non-franchise dealerships (such as Carvana, Enterprise) are not available for financing. Requires full coverage insurance (comprehensive and collision) for loan value.
| Terms | APR | Conditions |
|---|---|---|
| up to 54 months | 5.80% | Model year 2024 and Newer. Rate includes a 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing (subject to increase if discontinued). Estimated payment and APR based on $30,000 loan amount and FICO score 790 or greater for a 54-month term. All booked auto loan applications subject to a $235 documentary fee. |
| up to 54 months | 6.10% | Model years 2021-2023. Rate includes a 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing (subject to increase if discontinued). Estimated payment and APR based on $30,000 loan amount and FICO score 790 or greater for a 54-month term. All booked auto loan applications subject to a $235 documentary fee. |
| up to 54 months | 7.00% | Model years 2018-2020. Rate includes a 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing (subject to increase if discontinued). Estimated payment and APR based on $30,000 loan amount and FICO score 790 or greater for a 54-month term. All booked auto loan applications subject to a $235 documentary fee. |
| up to 54 months | 9.41% | Model years 2017 and older. Rate includes a 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing (subject to increase if discontinued). Estimated payment and APR based on $30,000 loan amount and FICO score 790 or greater for a 54-month term. All booked auto loan applications subject to a $235 documentary fee. |
Sources (3)
All captured Oct 5, 2026
Who can join Elements Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies and organizations across the country are eligible for membership through employee benefit packages.
Family and household
- Immediate family or household members of an existing Elements account holder are eligible for membership.
Membership information collected October 5, 2026.