Vehicles at ACU Loan Application

Low rates, flexible terms, and personal service.


Auto Buying Information It’s not just competitive rates, its low rates. At ACU you get to leverage the support of a community to get your vehicle and a loan designed for you.



It makes no difference if you want the newest Escalade, Porsche or GMC work truck; it doesn’t matter if it is a new civic hybrid or classic Jeep— we have you covered.


Arapahoe Credit Union can finance almost any type of new or used vehicle regardless of age or seller. We just want you to get into a vehicle that has a lasting value with a loan that fits your situation - which means more than fighting for the lowest payment. Credit Union Loans
  • Low rates: We will always be competitive and offer the lowest rates possible.
  • Flexible financing: Right now, we finance loans up to 84 months, but your term will be customized for your situation.
  • There are no pre-payment penalties: Loans are usually meant to bridge a gap between your personal situation and your goals. If you want to pay your loan off early, feel free.
  • Lending made easy: We have a variety of payment methods including hundreds of service centers. Our loan officers are there to make every part of the process simple and work towards providing you peace of mind.
Beyond just helping to get you into the best vehicle at the right price, we will help to make sure that you do not get stuck in a loan meant to maximize dealership profit. Sometimes a lower payment doesn’t make sense and dealer add-ons such as GAP insurance and warranties, while helpful, are overpriced when bought there. See our helpful tips tab to help you get started or contact us to apply by phone.

Rates and Disclosures


Harleys aren’t cheap, but they aren’t out of reach either. We can probably help with that boat, too. For that matter, why rent a jet ski when there are so many for sale?


We are a full-service financial advocate and can help you get the vehicles you want without breaking the bank. Moreover, we are a good source of information if you are in the early stages of a purchase. Credit Union Loans
  • Terms are flexible: With similar financing to regular cars and trucks, you can still extend these loans out to 84 months to make sure your payment works for you.
  • Rates are low: You can get your vehicle without paying higher bank rates.
  • Financing is local: You don’t need to deal with a faceless loan from another state.
  • We lend on almost everything: Looking for a pontoon boat? How about a fishing boat? New or used motorcycle? How about Kawasaki or Harley? We want to be there for whatever vehicle you decide.

We offer pre-approvals for everything we lend on. Give us a few minutes on the phone or we can process an online loan application. We’ll then get back to you with your options. You will know how much you are qualified for, approximately what your payment will be, and what you will pay over the course of the loan. Looking for something a little more off-road? Use the ATV, Dirt Bike and Snowmobile tab.

Rates and Disclosures


Colorado has almost everything, but an RV will let you take it further.


Take the time to travel, camp or just get away. You should enjoy every part of the experience, including what you’re paying. RV’s come in many styles and sizes. Once you’ve selected the one that fits your needs, finance it with us.Credit Union Loans

  • Flexible financing: We will generally finance up to 120 months to keep your payment where you need it.
  • Financing on pretty much everything: We have you covered on all fifth-wheels, motorhomes and pop-ups.
  • Low rates: Keep your rate low and you potentially pay thousands less over the course of the loan.

    Buying is a big deal. Come to us and we can go over your questions and get you a pre-approval. This will let you know what you can afford and what options give you the best deal. We can also get you started with just a few minutes by phone.

Rates and Disclosures


We live and love the outdoors in Colorado. Enjoy it more with a toy meant for big kids.


Colorado is the single greatest state. We have everything except the ocean and who needs that when you have snow and mountain lakes? Still, it’s more fun when you can take the hills at full speed and Arapahoe Credit Union can pull the throttle. Whether you intend to go snowmobiling or are looking for dirt bikes, we can help. We also finance new and used ATVs.Credit Union Loans

As with all of our loans, we offer:
  • Low Rates: You will pay less at a credit union.
  • Flexible Terms: You can adjust the length of the loan to meet your payment needs.
  • Local Financing: You live in Colorado, let a Colorado credit union be the one to help you.
  • Easy Lending: We know the business. As a not-for-profit institution, we are here to make things easy on you.

Get your pre-approval.

Are you looking for a dual-purpose bike? Something for on and off-road use? You might also qualify for a loan under our Boats and Motorcycles tab. Find one for sale and we will work to make it yours.

Rates and Disclosures


Buying new and used vehicles: Some things to think about.

Arapahoe CU
Know what you really want, need, and can afford—now and in the future: It does you no good to be in a vehicle you won’t be happy with so you have to plan a bit.
Arapahoe CU
Get a pre-approval: People are often surprised with what they can and cannot afford and there are a lot of variables. Here is where a quick conversation with us will help. Note: Going through this step will also help prevent dealer financing tricks later on.
Arapahoe CU
Find your vehicle: You want to get the best vehicle for your situation. Sometimes only the perfect vehicle will work, other times there are opportunities with vehicles that are close.
Arapahoe CU
Get value: You want to know how much your vehicle is worth. Check NADA and KBB sites. Search online through dealer websites and Craigslist (just to get an idea! Craigslist can be very dangerous for consumers). Most people go off the NADA values.
Arapahoe CU
Purchase: If you are heading to a dealership, beware of financing tricks. Dealers like to try and get you financed with whoever is paying them more so you could end up with an out-of-state lender or unexpected terms. Also, be on the look out for gap and auto warranties. These products are available through the credit union at much lower costs to you.
 
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Our Vehicle Loans...

So you know: What you pay may vary based on credit, but we will always make sure you get the best loan we can offer. Rates and terms are subject to change without notice. Approval is required. On a refinance, we can always work to get you the best possible deal, but for full benefits the minimum loan amount has to be $5,000. NADA values are used to determine the maximum lending amount. All rates shown are in APR (Annual Percentage Rate). Payment example: $20,000 at 2.74%APR for 60 months means you will pay just about $357.07. Please note that terms over 60 months are subject to a small rate increase (up to 1%). You do have to be a member, but why would you not want to be?

Got it!    Rates 

Our Vehicle Loans...

So you know: What you pay may vary based on credit, but we will always make sure you get the best loan we can offer. Rates and terms are subject to change without notice. Approval is required. On a refinance, we can always work to get you the best possible deal, but for full benefits the minimum loan amount has to be $5,000. NADA values are used to determine the maximum lending amount. All rates shown are in APR (Annual Percentage Rate). Please note that terms over 60 months are subject to a small rate increase (up to 1%). Payment example: $20,000 at 2.74%APR for 60 months means you will pay just about $357.07. You do have to be a member, but why would you not want to be?

Got it!    Rates 

Our Vehicle Loans...

So you know: What you pay may vary based on credit, but we will always make sure you get the best loan we can offer. Rates and terms are subject to change without notice. Approval is required. On a refinance, we can always work to get you the best possible deal, but for full benefits the minimum loan amount has to be $5,000. NADA values are used to determine the maximum lending amount. All rates shown are in APR (Annual Percentage Rate). Please note that terms over 60 months are subject to a small rate increase (up to 1%). Payment example: $20,000 at 2.74%APR for 60 months means you will pay just about $357.07. You do have to be a member, but why would you not want to be?

Got it!    Rates 

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