ESCU offers loans for new and pre-owned vehicles for personal use. Rates for loans are determined by the members’ Equifax credit score. ESCU finances up to 100% of a vehicle’s sticker price if the car is new, or up to 100% of NADA “clean retail” on used vehicles. Additional products, such as Mechanical Breakdown Insurance, Gap Insurance for protecting you against depreciation loss and Credit Life/Disability for protecting your loan are available. Terms up to 84 months are available. Click here to apply for a loan at ESCU, or visit any branch location. Click here to see current loan rates.

Need to make a loan payment?  You can pay in person at any branch, mail your payment to the address below or click here to pay with your credit/debit card.

Payment Mailing Address:


P.O. Box 24117

Nashville, TN 37202-4117