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Great Low Rates

Maximize your budget with competitive Auto Loan rates.

Auto Loan Financing Made Easy

Get behind the wheel with an AERO Financial Auto Loan today. 


Easy Application • Flexible Terms • Local Service

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Start Your Auto Loan Application Here

Auto Loan Rates

Rev up your savings with our competitive Auto Loan rates. Select a shorter term if paying off your Auto Loan fast is a priority, or lengthen the loan if you prefer to have a lower monthly payment.

Rates as of November 15, 2024

Term APR1 (as low as)
Up to 72 Months 6.49%

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Reliability matters when it comes to your car and car loan. You can count on AERO Financial to make your car buying or refinancing experience a breeze!

EASY APPLICATION

Complete your online application 24/7 at a time that fits your schedule.

FAST DECISIONS

We like to keep decisions local. That means a quick loan approval process!

FRIENDLY SERVICE

Our team of Auto Loan experts are here to help you every step of the way!

LOAN PROTECTION

We offer multiple products to help protect your investment.
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auto loan calculator

Drive away in confidence with an Auto Loan from AERO Financial. If you are ready to hit the road, you can count on us for a car loan payment that fits your budget.

Your actual term and payment will be provided upon acceptance of an AERO Financial Loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

CAR LOAN PROTECTION OPTIONS

What is GAP Protection?

Should your car get totaled or stolen, GAP Protection covers the "gap" between the car's actual cash value and the outstanding balance on the auto loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any car purchase that depreciates quickly and Auto Loans with longer terms.

  • Easily add GAP Protection to your Auto Loan balance.
  • Receive $1,000 toward your down payment on a replacement vehicle financed by AERO Financial within 60 days after your primary insurance company issues a settlement check.

Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

What is Mechanical Breakdown Protection?

Reduce the financial burden of unexpected repairs and gain peace of mind knowing certain repairs and replacements are covered after the manufacturer's warranty expires. Mechanical Breakdown Protection (MBP), unlike traditional warranties, provides protection against mechanical failures due to normal wear and tear. 

  • Key Replacement
  • 24-Hour Roadside Assistance
  • Rental Car | Rideshare Reimbursement

Not sure which protection options are best for your Auto Loan? Contact one of our experts today.

What Is Depreciation Protection?

Have equity in your Auto Loan? Depreciation Protection covers you from the negative impact of vehicle depreciation. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.

This coverage is best if you:

  • Finance 90% LTV or less
  • Put money down
  • Trade in a vehicle
  • Negotiate the purchase price below MSRP

Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

What Is Auto Essentials?

AERO Financial's Auto Essentials is an extra layer of protection that protects you from increasing your insurance premiums due to these covered events:

  • Lost Keys
  • Dents and Dings
  • Damaged Tires
  • Cracked Windshields
  • Roadside Breakdowns

Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

What Is Loan Protection?

Enjoy added financial security with coverage against unforeseen events that could impact your ability to repay your loans. AERO Finacial's Loan Protection offers financial support to help you cover your bills in the event of an emergency such as job loss, accident, illness, or death. 

Protected Events Include:

  • Loss of life
  • Disability
  • Involuntary unemployment

Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

  • What is GAP Protection?

    Should your car get totaled or stolen, GAP Protection covers the "gap" between the car's actual cash value and the outstanding balance on the auto loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any car purchase that depreciates quickly and Auto Loans with longer terms.

    • Easily add GAP Protection to your Auto Loan balance.
    • Receive $1,000 toward your down payment on a replacement vehicle financed by AERO Financial within 60 days after your primary insurance company issues a settlement check.

    Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

What is GAP Protection?

Should your car get totaled or stolen, GAP Protection covers the "gap" between the car's actual cash value and the outstanding balance on the auto loan. By opting for this additional coverage, you shield yourself and your family from unexpected financial burdens. GAP Protection is great for any car purchase that depreciates quickly and Auto Loans with longer terms.

  • Easily add GAP Protection to your Auto Loan balance.
  • Receive $1,000 toward your down payment on a replacement vehicle financed by AERO Financial within 60 days after your primary insurance company issues a settlement check.

Not sure which protection options are best for your Auto Loan? Contact one of our Auto Loan experts today.

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knowledge is power

CAN YOU REFINANCE A CAR LOAN?

Yes, you can refinance a car loan. Refinancing a car loan means replacing your current loan with a new one, typically with different terms. People often refinance to get a lower interest rate, lower monthly payments, or to adjust the length of the loan term. It can be a good option if your credit score has improved since you first got the loan, or if interest rates have dropped. Refinancing can help save money over the life of the loan or make monthly payments more manageable.

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BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

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HOW MUCH CAR CAN
I AFFORD?

Determining how much car you can afford depends on several factors, including your income, expenses, savings, and credit history. A common guideline is that your total monthly car expenses (including loan payments, insurance, fuel, maintenance, and registration) should not exceed 10-15% of your gross monthly income. By carefully considering these factors, you can determine a comfortable price range for a car and car loan that fits within your budget and financial goals.

Apply Now

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Maximize Your Vehicle Investment with Credit Union GAP Protection

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The Smart Auto Buyer's Guide to Credit Union Financing

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What our members
are saying

“Shelli and Devin in the loan department were fantastic! The two of them helped get my Auto Loan processed quickly, even though I took longer than expected finding the vehicle to purchase. Highly recommend AERO for all of your financial needs!”

Ryan W.

“I got a pre-approved car loan. Kimberly Malnar helped me; she was amazing. It only took a few minutes; one of the easiest things I have ever done. The finance manager at the car dealership couldn't believe anyone would give an interest rate that low. Moving my banking to AERO from Wells Fargo was the smartest thing I ever did.”

Eva H.

“AERO is awesome! I've had great experiences banking with them and having two auto loans with them. They even offered cash back when I paid off my first auto loan and opened a second auto loan with them. Their staff is very polite, friendly, attentive, and reliable.”

Kate S.

YOUR AUTO LOAN QUESTIONS, ANSWERED

What Is An Auto Loan Refinance?

Refinancing your auto loan is a simple, straightforward process. You essentially apply for a new loan, which pays off your current loan. This results in a new interest rate, a new loan agreement, and a new loan term.

What Does It Mean To Get Pre-Approved?

A pre-approval helps you determine the maximum loan amount you are eligible for before you start your car shopping. Having a pre-approval can help you shop with confidence and find a vehicle within your budget. Pre-approvals are good for 30 days.

How Can I Make My Car Loan Payment?

You can make your Car Loan payment in a few different ways:

Do You Have Different Rates For New And Used Vehicles?

Rates are the same for both new and used vehicles and are based on credit score, year, and mileage of the vehicle.