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Auto Loan

You'll be driving in no time

It shouldn’t be complicated or time-consuming to buy the car, ATV, or luxury vehicle of your dreams. With competitive interest rates, flexible loan terms, and easy banking tools, we’re here to get you on the road to a bright financial future.

Leaders Vehicle Loans

We’re clearing the road for our members with vehicle loans that have built-in flexibility and competitive interest rates. All of our vehicle loans share these features:
Competitive rates and flexible term options
Easy online pre-approval and application process
Financing for cars, trucks, SUVs, motorcycles, ATVs, boats, and RVs
Skip one loan payment a year⁴
Warranty, GAP, and debt protection available
Access to online bill pay and other features
Apply Now
Leaders Vehicle Loans
New & Used Auto Loans

Buying a new or used car has never been so easy. With Leaders’ easy online approval and application process, you can qualify for a loan quickly and be in your new car in no time.

 

  • Rates as low as 3.49% APR¹
  • Quick online pre-approval and application process
  • Flexible terms up to 96 months
New & Used Auto Loans
Motorcycle & ATV Loans

Purchasing a motorcycle or ATV should be as easy as driving off into the sunset. With affordable rates and flexible terms, you can be on the road (or off road) before you know it.

 

  • Easy online pre-approval and loan application
  • Flexible loan terms of up to 84 months
  • Competitive rates starting at 6.99% APR²
Motorcycle & ATV Loans
Boat & RV Loans

Once you’ve decided to buy a boat or RV, you want your leisure time to start as soon as possible. With Leaders’ affordable rates and flexible terms, you’ll be cruising along in no time.

 

  • Easy online application process
  • Competitive rates: Boats starting at 5.99% APR³ and RVs starting at 6.59% APR³
  • Flexible boat loan terms of up to 144 months and RV loans up to 180 months
Boat & RV Loans
Commercial Vehicle Loans

It shouldn’t be difficult or time-consuming to buy a vehicle for your business. Leaders Credit Union offers commercial vehicle loans with competitive rates and flexible terms to get your company on the road to success.

 

  • Competitive interest rates & flexible terms
  • Quick & easy application process
  • Simple loan management with our mobile app
Commercial Vehicle Loans
Pre-Owned Vehicles

Leaders Credit Union resells vehicles after loan defaults to prevent loss and protect our members. Inventory changes frequently and Leaders financing is available in most cases.

 

  • Get 2.00% off your APR¹ with qualifying credit (minimum APR¹ is 3.80%)
  • Buy a vehicle with no cash down
  • Most vehicles are eligible for aftermarket warranties
Pre-Owned Vehicles
APR As Low As
Loan Terms Up To
Online Application
Skip One Loan Payment a Year⁴
New & Used Cars
3.49%¹
APR As Low As
96 months
Loan Terms Up To
Online Application
Skip One Loan Payment a Year⁴
Motorcycles & ATVs
6.99%²
APR As Low As
84 months
Loan Terms Up To
Online Application
Skip One Loan Payment a Year⁴
Boats & RVs
5.99%³
APR As Low As
144 months and 180 months
Loan Terms Up To
Online Application
Skip One Loan Payment a Year⁴

The reviews are in

Don't take our word for it. Read why our members love banking with Leaders.

    star chart 4.9 out of five

    4.9

    4.9 out of 5 (341 Member Reviews)

    owned by members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are lower than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.

    Why Leaders?

    Why Leaders?

    Our goal is a simple one: to lead our members to the financial security they deserve.

    Join Now
    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.

    owned by members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are lower than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members and neighbors with a smile.

    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our valued members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated tools to achieve your financial dreams, we’ve got the accounts you need to reach your goals.

    Have questions?

    One of our financial champions will be happy to guide you.
    Find a Branch Near Me

    Disclosures

    1. - APR = Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as 3.49% APR” apply to well-qualified applicants with credit scores of 760, loan terms of 36 months and vehicles with less than 80,000 miles. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Not all applicants will qualify for the lowest rate.

    Other restrictions may apply.

    Loan rate effective as of July 20, 2022, and is subject to change without notice. Payment Example: 36 monthly payments of approximately $29.30 per $1,000 borrowed at 3.49% APR.

    2. - APR = Annual Percentage Rate. Credit criteria applies and not all applicants will qualify. Rates for approved loans are based on the applicant's credit history. "Rates as low as 6.99% APR" apply to well-qualified applicants with credit scores of 770, loan terms of 60 months, and 2021 or newer model. Loan term, loan to value (LTV), and/or down payment are examples of terms that may vary based upon your credit history.

    Other restrictions may apply.

    Loan rate effective as of July 20, 2022, and is subject to change without notice. Payment Example: 60 monthly payments of approximately $19.80 per $1,000 borrowed at 6.99% APR.

    3. - APR = Annual Percentage Rate. Credit criteria applies and not all applicants will qualify. Rates for approved loans are based on the applicant's credit history. "Boat rates as low as 5.99% APR" apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2020 or newer models, and loan amounts up to $15,000. Loan term, loan to value (LTV), and/or down payment are examples of terms that may vary based upon your credit history.

    Other restrictions may apply.

    Loan rate effective as of June 14, 2022, and is subject to change without notice. Payment Example: 96 monthly payments of approximately $13.14 per $1,000 borrowed at 5.99% APR for a loan amount up to $15,000. Personal watercraft such as jet skis are not included with this vehicle type.

    "RV rates as low as 6.59% APR" apply to well-qualified applicants with credit scores of 760, loan terms of 96 months, 2021 or newer models, and a minimum loan amount of $15,000. Loan term, loan to value (LTV), and/or down payment are examples of terms that may vary based upon your credit history.

    Other restrictions may apply.

    Loan rate effective as of June 14, 2022, and is subject to change without notice. Payment Example: 96 monthly payments of approximately $13.43 per $1,000 borrowed at 6.59% APR for RV loans of $15,000 or more.

    4. - To be eligible for our skip-a-pay program, the following criteria must be met:

    • You must be an active member with at least $10 in Share Account
    • The loan must have existed for at least nine (9) months before it is eligible.
    • All deposit accounts must have a positive balance
    • All Leaders CU loans must be current
    • Must not have been delinquent on any Leaders CU loan in the past 12 months (30 days overdue)
    • Loans secured by Real Estate, Overdraft loans, or any line of credit (including a Leaders VISA card) are ineligible for a payment skip