Turn up the air, not your Auto Loan rate.


Whether you want to trade in your car or truck for an upgrade OR refinance from another lender, our auto loans are designed with you in mind. Apply online for an auto loan with Element and head on the road to savings with rates as low as 5.75 APR.*

New, Used, Refinance

What you’ll get when you finance your auto loan with Element:

An interest rate as low as 5.75% APR.* Auto loan rates are like golf…lower is better in order to save on your monthly payment. And because everything we do centers around helping our members, ours are among the most competitive you’ll find in the area!

Easy-peasy applications. Submit your loan application conveniently, safely, and comfortably from your couch…real pants not required. With e-sign, you can complete the process start-to-finish without ever leaving your home. Use the promo code HOTSUMMER when you apply to get this special deal. 

Savings that give you more money for what you love. What could you do with an extra $30, $40, or $50 a month (or more!)?

A financial institution that feels like home. We don’t send your loan off to some other office states away. We’re local to Charleston, West Virginia, made up of your friends and neighbors. Bank at a place where you’re free to be uniquely you.

Here’s what a few of our 5,200+ members have to say:

Emily, Lending Manager
Emily, Lending Manager

Let’s Get Your Auto Loan Moved to Element

Ready to start saving on your auto loan? We’re here to help! Apply online now or contact us directly if you have any questions before beginning the process.

*APR = Annual Percentage Rate. Listed APR is for credit scores 700-850 with automatic loan payments. Actual rate and repayment terms you receive are based on your individual credit score and history, and may differ from rates quoted above. Rates are subject to change at any time without notice. All loans are subject to approval. Loans currently financed with the credit union are not eligible to refinance under this program. Membership eligibility required. Federally insured by NCUA.