Credit union · NCUA insured
ENERGY PLUS Auto Loan Rates
ENERGY PLUS auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 5, 2026.
How ENERGY PLUS’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where ENERGY PLUS has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ENERGY PLUS
5.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Auto Loans
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
- Discount
- None included
ENERGY PLUS auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ENERGY PLUS ranks
By auto loan score, in each area where it has branches
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 Loans
Rates Effective As Of October 1, 2026. Terms and Conditions subject to change without notice. *APR is the Annual Percentage Rate. Subject to credit approval. Rate shown includes risk based pricing and relationship discount. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.00% | Vehicle Year: 2026 - 2025. Term: 36 Months. Rates include risk based pricing and relationship discount. |
| up to 48 months | 5.25% | Vehicle Year: 2026 - 2025. Term: 48 Months. Rates include risk based pricing and relationship discount. |
| up to 60 months | 5.50% | Vehicle Year: 2026 - 2025. Term: 60 Months. Rates include risk based pricing and relationship discount. |
| up to 72 months | 5.75% | Vehicle Year: 2026 - 2025. Term: 72 Months. 72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629. Rates include risk based pricing and relationship discount. |
| up to 84 months | 6.50% | Vehicle Year: 2026 - 2025. Term: 84 Months. 84 mo available only if loan amount is greater than $30,000 and credit score is higher than 700. Rates include risk based pricing and relationship discount. |
| up to 36 months | 5.25% | Vehicle Year: 2024-2022. Term: 36 Months. Rates include risk based pricing and relationship discount. |
| up to 48 months | 5.50% | Vehicle Year: 2024-2022. Term: 48 Months. Rates include risk based pricing and relationship discount. |
| up to 60 months | 5.75% | Vehicle Year: 2024-2022. Term: 60 Months. Rates include risk based pricing and relationship discount. |
| up to 72 months | 6.25% | Vehicle Year: 2024-2022. Term: 72 Months. 72 mo available only if loan amount is greater than $20,000 and credit score is higher than 629. Rates include risk based pricing and relationship discount. |
| up to 78 months | 6.75% | Vehicle Year: 2024-2022. Term: 78 Months. 78 mo available only if loan amount is greater than $30,000 and credit score is higher than 700. Rates include risk based pricing and relationship discount. |
Who can join ENERGY PLUS
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.