Qualify for up to $25,000 on an Auto Loan with or without a co-signer
Option to defer first payment up to 90 days
Loan Term (Months)
New & Used 2015+
New & Used 2014
New & Used 2013
New & Used 2012
New & Used 2011
Rates effective April 2, 2018, subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Auto Loan applications. APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for auto loan rate information between 2008–2010.
Credit limit could be higher based upon credit rating
Purchases & Balance Transfers
Introductory APR for 6 Months
Variable APR after 6-Month Intro Period
Balance Transfer Fee
Platinum Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 10.49% for Platinum Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.
Online and Mobile Banking
Easily manage your loan and credit card activity under one login with Online Banking and the Elements Mobile App! Enjoy the same interface on your smartphone, tablet, laptop, and desktop while continuing with the security, features, and conveniences you've come to expect from Elements. Our goal with online banking is simple — to provide you with a state-of-the-art digital banking experience that you can count on and is consistent cross all your devices.
How to Get Started
You can apply online in as little as 10 minutes by selecting both the vehicle loan and Visa credit card products on the second page of the application. Or call 1-800-621-2105to get started.
What you’ll need to apply:
Your government-issued ID (driver’s license, state ID or passport)
Social Security number
What to expect during the application process:
We’ll contact you within 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
We’ll contact you with a decision within 10 business days.
That’s it – your Elements Auto Loan and Visa Credit Card are now ready to use!