The ELGA Credit Union is a auto loan from ELGA Credit Union. The ongoing APR is 2025-2026 $65,000+: APR as low as 6.00%, maximum term 85 – 96 months; 2021 – 2026: as low as 5.75%, 73 – 84 months; 2021 – 2026: as low as 5.50%, up to 72 months; 2019 – 2020: as low as 6.00%, up to 60 months; 2017 – 2018: as low as 7.00%, up to 48 months; 2016 & Older: as low as 7.50%, up to 36 months. Loan terms: Maximum term by model year: 85 – 96 months (2025-2026 $65,000+); 73 – 84 months or up to 72 months (2021 – 2026); up to 60 months (2019 – 2020); up to 48 months (2017 – 2018); up to 36 months (2016 & Older).