Thinking of refinancing? Let's talk.
As a credit union, we share our profits with our members in the form of low interest rates on loans.
Over the past 18 years, we’ve given our members more than $104 million in interest refunds and bonus dividends.
This affordable service pays for the cost of covered vehicle repairs less any deductible.
Qualified members can finance up to 84 months.
Our affordable Guaranteed Asset Protection (GAP) may cover the "gap" between a vehicle's value and the amount owed.58
New Vehicle
| Term | Minimum Loan Value | APR |
|---|---|---|
| Up To 60 Months | No Minimum | 5.34% - 16.99% |
| 61 - 75 Months | $15,000 | 5.84% - 17.49% |
| 76 - 84 Months | $25,000 | 6.70% - 8.35% |
Used Vehicle
| Term | Minimum Loan Value | APR |
|---|---|---|
| Up To 60 Months | No Minimum | 5.84% - 18.00% |
| 61 - 75 Months | $15,000 | 6.34% - 18.00% |
| 76 - 84 Months | $25,000 | 6.95% - 8.60% |
Rates effective January 1, 2023.
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 not to exceed 10 years.
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 NADA 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 5.34%, your monthly payment on a $10,000 loan amount and a 60-month term would be $190.65. Based on an APR of 5.84%, your monthly payment on a $15,000 loan amount and a 61-month term would be $285.40. Based on an APR of 6.70%, your monthly payment on a $25,000 loan amount and a 76-month term would be $405.54.
Based on an APR of 5.84%, your monthly payment on a $10,000 loan amount and a 60-month term would be $192.99. Based on an APR of 6.34%, your monthly payment on a $15,000 loan amount and a 61-month term would be $288.96. Based on an APR of 6.95%, your monthly payment on a $25,000 loan amount and a 76-month term would be $408.60.
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 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: