The ELGA Credit Union is a auto loan from ELGA Credit Union. The ongoing APR is $0 – $4,999: as low as 7.75% (up to 48 months); $5,000 – $14,999: as low as 8.00% (up to 72 months); $15,000 – $24,999: as low as 8.25% (73 – 96 months); $25,000 & Over: as low as 8.50% (97 – 144 months). Loan terms: Up to 48 months ($0 – $4,999) through 97 – 144 months ($25,000 & Over).