All the thrills with lower bills.

Get the lowest auto loan rates in town¹ and no payments for 90 days², only with Earthmover.

Rates as low as 4.74% APR³ | No payments for 90 days²

Keeping our eyes on the road

Dream rides. Realistic budgets.

Make more room in your plans with a car payment that fits your lifestyle. Use the calculator below to get a better understanding of what your monthly payment could look like.

90 Days²

Before your first payment is due.

4.74% APR³

The best rate in town.

New & Used

We work with both.
View current rates
Your estimated monthly installment

This calculator is for estimation and informational purposes only. Price presented is not a final, binding notification of what your actual monthly payment will be. Speak to an Earthmover team member for more information.

Serious savings

All the bells and whistles come standard.

Besides a great rate and no payments for 90 days² Earthmover lets you spend less time at the dealership and more time on the road.

Apply online

man in car
Enterprise Auto Sales

Looking for an even more seamless purchase? We’ve partnered with Enterprise Car Sales to offer you a seamless purchase experience with financing options to fit your needs. It's easy, whether you want to buy, sell or trade.

Find your ride

Think applying for an auto loan is difficult? Our four-step process is oh so easy.


Shop confidently

Knowing your preapproval can save you time and money with the full support of Earthmover.

Purchase agreement

Once you've found your vehicle, fax, email or simply text us the purchase agreement.

Seal the deal

Complete the loan documents from your phone, online or at a local branch. We'll send the funds directly to the dealer or you can pick up the check in person.

Apply online Apply by phoneApply by phone

Buying or refinancing a car shouldn’t be difficult. We’ve taken some of the most commonly asked questions and put them all in once place.

Do I need to become a member before getting pre-approved? Not at all. You can submit your application first and then if you decide to move forward with the loan, we’ll open an Earthmover savings account⁵ for you, which will begin your membership at the credit union.
Do I need a down payment for my auto loan? A down payment is not required, but it does help towards your overall monthly payments and reduces the back-and-forth during the application process.
Do I need to have the vehicle picked out to submit an application? Not at all. We can submit a pre-approval even if you haven't decided on the vehicle.
What do I need to do at the dealership once I find the vehicle I want? Once you decide on a vehicle, we'll just need you to send the bill of sale (also known as a purchase agreement) to Earthmover via text, fax or email. When we have that, we can schedule a time for you to complete the paperwork and pick up the funds.
What's the turnaround time to get the funds? Turnaround time is typically the same day (depending on time) as long as we have all necessary documents like bill of sale, proof of income, etc.—however, some factors can limit this.
How long is my pre-approval good for? Your pre-approval is valid for 60 days without running another credit report.
What if I find a vehicle that's more than my approval amount? If your desired vehicle is a bit more than what you initially had in mind, Earthmover will send the approval over for review without having to apply again or run your credit.
Do I need to go back and forth between the dealer and Earthmover? No, you can send the purchase agreement directly to Earthmover via text, fax or email.  Once received, Earthmover will issue documents you can sign on your phone and we will overnight the check to the dealer.

More ways Earthmover Credit Union can help.

Always at your side

We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.

Get the details

Working to keep more money in your pocket

Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.

Contact us

Saving comes naturally.

Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.

At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.

We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.

Aim to save

¹ Statement is accurate as of April 10, 2024. Vehicle rate information was sourced directly from the financial institution’s website within 30 miles of 2195 Baseline Rd. Oswego, IL 60543. Comparison rates are based on similar vehicle loans. Rates displayed, including Earthmover’s, may change without notice and their accuracy cannot be guaranteed.

² No payments for 90 days / No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.

³ Rates as low as 4.74% APR / APR=Annual Percentage Rate. Proof of address and verification of employment are required. Rate is determined by credit score, loan term, and vehicle model year. The maximum rate for an auto loan is 19.24% APR. Auto refinancing offer only applies to loans financed by institutions other than Earthmover Credit Union. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Contact a credit union representative for details. Conditions and terms are subject to change without notice. Rates are current as of March 26, 2024 and are subject to change based on market conditions. Payment example: on a $35,000 auto at 5.89% APR for 60 months, your payment would be $675/month.

Up to 150% financing is available in the U.S. for qualified applicants. For qualification requirements contact us at (630) 844-4950.

Membership is not required for pre-approval but an Earthmover Savings Account with a minimum deposit of $5.00 is required for membership. If your loan application is approved, Earthmover membership automatically be included in the process.