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Elements Financial auto loan rates compared

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Indiana · Headquarters Indiana

Indianapolis, IN-based credit union; membership required

Rate page on elements.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.

5.95%New54-month payment example

INChecked Nov 11, 2026

What the lender published

Vehicles 2024 and newer (new or used). Shown in a payment example for a 54-month term. Includes a 0.25% reduction for automatic transfer from an Elements checking account set up at closing. Rates effective October 26, 2026.

Checked Nov 11, 2026Source elements.org

Calculate payment at 5.95% from Elements FinancialVisit lender ↗

UsedUsed car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Checking accountChecking account: The published rate assumes a checking account with the lender.

6.25%Used54-month payment example

INChecked Nov 11, 2026

What the lender published

Vehicles 2021-2023. Shown in a payment example for a 54-month term. Includes a 0.25% reduction for automatic transfer from an Elements checking account set up at closing. Rates effective October 26, 2026.

Checked Nov 11, 2026Source elements.org

Calculate payment at 6.25% from Elements FinancialVisit lender ↗