Excite Credit Union

Excite is a credit union with both an east and west coast presence, and has been serving members across a number of counties in California and North Carolina since 1952. Excite is focused on building strong community links, and aims to provide low-interest auto loans for its members.

Excite Credit Union
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    How do Excite Credit Union auto loans work?

    As long as you’re a member of the credit union, you’ll be able to access auto loan interest rates starting from as low as 2.24%.

    Payment terms generally go up to 72 months, but you may extend to 84 months if you’re willing to increase your minimum borrowing amount. 

    You’ll receive a 0.25% discount to your rate for every other Excite product you’re signed up to, such as a mortgage, checking account, or credit card.

    You can stack these to get a maximum of 1% off your rate. 

    Credit score

    Excite doesn’t disclose the minimum credit score required to apply.

    It instead welcomes all members to apply regardless of credit rating and will judge your application on a number of criteria. 

    How Much Can You Borrow?

    You’ll have to borrow a minimum of $5,000, although if you want repayment terms of 84 months, the minimum you’ll need to borrow is $20,000.

    You can borrow a maximum of 125% of the vehicle’s market value.

    What types of vehicles are eligible for financing?

    You can finance any new and used cars and trucks that are limited to one ton.

    How do I qualify?

    You’ll need to be a member of the credit union before you can access the auto loans.

    To do this, you must be a resident of one of six counties in California or one of three counties in North Carolina.

    You may also join if you’re an employee of one of over 400 affiliate companies based in these states.

    What documents do I need?

    You’ll need a form of photo ID, such as a passport, driver’s license, or state ID to apply.

    What are the fees?

    Excite doesn’t state whether any fees will be applied to its auto loans. Make sure to read the fine print before you accept any loan offer.

    How long does the loan process take?

    The online application process can be completed in three easy steps and should take no more than five minutes.

    However, you'll have to get in touch directly to confirm how long it’ll take to get your loan.

    How to apply for an auto loan?

    You can apply via the online application form.

    What payment methods are supported?

    You can set up an auto-pay option that takes monthly payments from your bank account, mail-in checks, and pay over the phone via credit card.

    Pros and Cons


    • Interest rate discounts if you have other Excite products
    • An easy-to-follow online application process


    • Auto loans are only available to residents of certain counties in California and North Carolina
    • Limited information is provided on credit score requirements

    Is Excite Credit Union right for you?

    If you want to have a stake in the local communities where Excite operates, this may be for you.

    However, if you want a range of transparent loan options and a clear idea of interest rates before you apply, you should try MyAutoLoan.

    It’s available across the US and you’ll know what your interest rate will be before you apply.