Looking to finance your new ride while managing seasonal expenses? Get some added flexibility for the holidays with our limited-time offer: 90 days with NO payments!
 
For qualified buyers, this means no auto loan payment stress for the first three months of your loan. Use the extra cash for holiday spending, savings, paying down other debts, or investing in key protections for your new ride!

Start driving sooner by finding, financing, and insuring your vehicle all in one place with ECCU!
 
 

Here's How to Take Advantage of this Limited-Time Offer:






Finding

 
 
 
 
At ECCU, we have our own trusted list of car dealers and a straightforward online Auto Center that allows you to find your dream car in 3-easy steps!

Start by taking a quiz to find the best car personalized for your needs. Input your desired features, calculate the trade-in value of your current vehicle if applicable, input loan preferences, and get matched with the best results near you or in our online inventory. Select the car of your dreams from the matches, and apply for a loan right there! It's that easy!

Financing



There are several ways to finance a vehicle with an ECCU auto loan. Whether you apply online, visit us in person, or even secure financing directly at the dealership with an ECCU Premier Check - we want to help you through the process quickly and with less stress. That's why we offer same-day loan approvals and up to 100% financing, so you don't have to wait to hit the road!

For a limited time, the holidays are even brighter with 90 days of no payments! Make the most of this special holiday offer and get started on the road without immediate payment worries. Qualified buyers can drive off today and start paying in the new year. Interest will accrue during this period, but with flexible payment options, we're here to make it work for you!

*Approval depends on creditworthiness and specific credit tiers, and additional terms and conditions apply. This offer can change at anytime, so reach out to ECCU today to get started.

Insuring

 
 
 
energy capital insurance logo
 
 
Have questions about your current insurance policies? 
Contact us at Insurance@eccu.net(Opens in a new Window) or call us at 832-604-2160
 
 
Before you get on the road, make sure you have the full coverage you need. ECCU requires proof of auto insurance for an auto loan, and it's extremely simple to update your auto insurance online with Energy Capital here. Energy Capital Insurance agents will help you select the best coverage option for you and provide you with a free quote. You will receive the same member-focused service you expect from ECCU with trusted national name brand carriers!

Having your financial partner, insurance provider, and dealership all connected makes your car-buying experience much smoother. Bundle multiple policies and save even more. Use your 90-day loan discount to invest in valuable coverage options that protect your vehicle and your financial well-bring.

We offer coverage options including Essential Auto Loan Policies:

  • GAP Coverage - protects you from negative equity if your car is totaled, covering the difference between your loan balance and the insurance payout.
  • Extended Warranty - covers major repairs like engine issues or malfunctioning parts, saving you from unexpected repair costs.
  • MultiShield - covers road hazards such as tire blowouts or windshield cracks, and come with 24/7 roadside protection.
  • Debt Protection - ensures your loan payments are covered in the event of death, disability, or job loss, offering peace of mind for you and your family.



 
 
 
For extra financial flexibility this holiday season, don't miss this limited time offer to set yourself up for a strong start to the new year!
 
With easy financing, trusted insurance options, and a seamless process, we're here to help! Don't wait - this limited time offer won't last! Drive off with your dream car today!
 












Save Today for a Better Tomorrow

Check out ECCU's IRA options to help you secure your financial future today!