Auto loans that put you in the driver's seat.
Whether you've already found the perfect car or want to get pre-approved before you head to the lot, Ascend is here to put you in the driver's seat with a payment that fits your budget.
As a credit union, we share our profits with our members in the form of low interest rates on loans.
Over the past 20 years, we’ve given our members more than $116.5 million in interest refunds and bonus dividends.
Give yourself peace of mind knowing your auto loan won't be a burden if an unexpected accident or theft occurs.12
Life can take unexpected turns. Debt protection could help pay your loan in case of the unexpected.
We offer terms up to 84 months so you can find a loan that fits you and your budget.
Skip up to two monthly payments per year on qualified loans at any time that’s right for you.21
Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.
New Vehicle
| Term | Minimum Loan Value | APR |
|---|---|---|
| Up To 60 Months | No Minimum | 5.24% - 17.14% |
| 61 - 75 Months | $15,000 | 5.74% - 17.64% |
| 76 - 84 Months | $25,000 | 6.60% - 8.50% |
Used Vehicle
| Term | Minimum Loan Value | APR |
|---|---|---|
| Up To 60 Months | No Minimum | 5.74% - 17.75% |
| 61 - 75 Months | $15,000 | 6.24% - 18.00% |
| 76 - 84 Months | $25,000 | 6.85% - 8.75% |
Rates effective October 1, 2025.
Legal Disclosures and Additional Information
Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price.
An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older.
Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.
Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness.Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors’ approval.
Based on an APR of 5.24%, your monthly payment on a $10,000 loan amount and a 60-month term would be $190.20. Based on an APR of 5.74%, your monthly payment on a $15,000 loan amount and a 61-month term would be $284.73. Based on an APR of 6.60%, your monthly payment on a $25,000 loan amount and a 76-month term would be $404.38.
Based on an APR of 5.74%, your monthly payment on a $10,000 loan amount and a 60-month term would be $192.55. Based on an APR of 6.24%, your monthly payment on a $15,000 loan amount and a 61-month term would be $288.28. Based on an APR of 6.85%, your monthly payment on a $25,000 loan amount and a 76-month term would be $407.43.
Didn't see the calculator you were looking for?
Our indirect lending program lets you apply for an auto loan with low Ascend rates right at the dealership when you purchase from participating dealers.
Save money on car insurance.
Ready to save? Through our partnership with TruStage™️, we offer car insurance with competitive rates and a member discount.
- How fast can I be approved for an auto loan? Will funds be available same day?
If you meet our credit criteria, you could be approved instantly. If your application must be reviewed by an underwriter, you should receive a decision within the same day. If you have applied online and you do not meet our criteria, you will be notified of a decision on your application within two business days. As long as all stipulations to obtain the loan are satisfied, funds are available the same day.
- Can being pre-approved help me when I’m vehicle shopping?
It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping.
- Can I pay off my loan quicker than the payment schedule?
Yes. Ascend does not have an early repayment penalty for any loan we offer.
Don't see the question you're looking for?
There are three different ways to apply for an Ascend auto loan: