The Credit Union ONE is a auto loan from Credit Union ONE. Application typically pulls a hard report from Experian. The ongoing APR is As low as 4.99% APR (2021 or newer, up to 60 months) up to as low as 7.32% APR (2011-2015 model years, 61 to 72 months) (effective February 10, 2026). Typical credit limit: Minimum loan amount $3,000. Loan terms: New car: up to 90 months; used car and lease buyout: up to 84 months (for loan requests of at least $3,000).