汽车贷款

澳门拉斯维加斯网页会借钱给你买新车或二手车, 你要在规定的时间内连本带利偿还.

提前计划是好的 提前批准你的汽车贷款. That way you can have a better idea of what price range you should be shopping for. 预审也给你很好的议价能力与卖方.

包括税收和驾照在内的各种因素可以为你的汽车提供高达120%的资金. 不过，至少预付购房价格的20%是个好主意. 当然，你提前支付的钱越多，你的月供就越低.

澳门拉斯维加斯网页知道买车可能会让人不知所措. 不要害怕! 澳门拉斯维加斯网页有 伙伴关系可以让你的过程更容易.

开始

是的. 当你得到你的汽车贷款元素, 你直接与贷方合作，而不是通过中间人. 交易商将收取安排贷款的费用, 所以它最终会比使用元素更昂贵.

购买汽车时提前考虑总是一个好计划. 申请汽车贷款 before you begin shopping so you can negotiate your deal with a preapproval for financing in hand. 这样你也知道你要买的价格范围. 

得到预先批准

是的! 澳门拉斯维加斯网页有几个合作伙伴关系，可以使买车变得轻而易举.

• 首选的汽车经销商 - If you'd like the convenience of shopping directly at the lot, visit our 首选的汽车经销商. 澳门拉斯维加斯网页有 partnered with 印第安纳波利斯-based auto dealers to bring you fantastic deals and great rates, 以及无与伦比的服务. 了解更多.
• 汽车销售企业 - Did you know that buying at 汽车销售企业 is different than buying from anyone else? Enterprise has more than 250 使s and 模型s, so you can find exactly what you're looking for. 了解更多.
• 汽车购买服务 -会员汽车资源的使命是提供专业的, 无痛, 以及购买或租赁新车或二手车的成本效益. Their goal is to provide you all the information available in order to 使 the best buying decision. 了解更多.

汽车贷款没有预付罚金或年费.

汽车贷款的基本要素包括140美元的低手续费. Refinancing of an existing 元素 auto loan is also subject to an additional $200 fee depending on the borrowing amount. Your 元素 loan specialist will provide information about whether you qualify to have these fees waived.

如果得到批准, funds will be made available to the dealer or seller directly via an electronic transfer or check.

是的. 作为你的财务健康提供者, 澳门拉斯维加斯网页想确保你的安全, 不管发生什么事. 这就是为什么澳门拉斯维加斯网页提供贷款和资产保护计划. 这只是澳门拉斯维加斯网页为你争取最大利益的又一种方式.

保护您的购买, the following programs are available and can be wrapped into your monthly payments:

• 机械击穿保护(MBP), 也被称为延长保修, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. 在这段时间内，合同有效, you are assured that covered components of your vehicle will be repaired in the event of failure. 这包括劳动，以任何适用的扣除额. 了解更多.
• 保证自动保护(GAP) is protection designed to eliminate your unpaid net loan or lease balance in the event your vehicle is stolen or damaged beyond repair. 了解更多.
• 债的保全 在不确定和压力大的时候保护你的信用评级. Your loan payment will be cancelled or suspended for a period of time without penalty, 添加兴趣, 或被报告为拖欠信用局时，所涵盖的事件发生. Covered events include death, disability, involuntary unemployment, family leave and hospitalization. 了解更多.

就像银行，只是更好!

更好的利率. 更少的费用.

因为澳门拉斯维加斯网页是信用合作社, 澳门拉斯维加斯网页以降低费用的形式将利润返还给会员, 更高的储蓄利率和更低的贷款利率.

可信的建议. 新鲜的方法.

澳门拉斯维加斯网页为自己是一个值得信赖的金融教育来源而自豪. Your financial wellness expert will come to your workplace to answer questions and provide you with 1-on-1 assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally⁴. 澳门拉斯维加斯网页服务于50个州和50多个国家的会员. You’ll have access to 5,000+ shared 分支es nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

澳门拉斯维加斯网页的技术使使用元素进行银行操作变得容易. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3个简单的步骤

1. 在线申请 - 你可以在15分钟内在线申请! 随时或电话在线提交申请 1- 开始. 准备好你的政府签发的身份证(驾照、身份证或护照)和 住所证明.
2. 接澳门拉斯维加斯网页的电话 - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions. 澳门拉斯维加斯网页也会询问你的车的价值, 使, 模型, 一年, 里程, 及VIN(如申请表上没有提供).
3. 就是这样! - 澳门拉斯维加斯网页会在做出决定后再联系你 1个工作日. 一旦你的申请被批准, 澳门拉斯维加斯网页会联系你签署文件，你的贷款就完成了!

马上申请

如果我信用不好，我有资格申请汽车贷款吗?

事实上，“良好信用”有几种定义.“所以，如果你过去有过信贷困难, 要知道澳门拉斯维加斯网页是否能帮助你，最好的办法是申请贷款. 这样做没有成本, and our loan staff will work with you to look for ways to get your loan request approved.

你们对汽车贷款有什么保险要求?

当你有一个汽车贷款元素金融, you must carry full coverage that includes comprehensive and collision for the value of the loan. 的数组 保险 products and, when you have your loan with us, you can also insure your vehicle with us. 得到一个 免费的在线报价 从元素金融保险集团撤资. The application is free, available 24/7, and accessible anywhere that you have Internet access. 如果你更愿意亲自申请，那就来 分支 方便你! Our friendly Financial Wellness Experts are here to help you in any way that they can. 或者你可以打电话给澳门拉斯维加斯网页 1- 如果你想在申请前进一步讨论. 

在我还清汽车贷款后，多长时间能收到我的汽车产权?

如果你的贷款是用保证资金偿还的(银行本票), 现金, or new loan proceeds) the lien card or title will be mailed to the appropriate party as soon as possible. 如果贷款是用个人支票支付的, 澳门拉斯维加斯网页将等待10个工作日之前，澳门拉斯维加斯网页释放留置卡或所有权.