The ELGA Credit Union is a auto loan from ELGA Credit Union. The ongoing APR is $0 – $9,999: as low as 6.50% (up to 60 months); $10,000 – $19,999: as low as 6.75% (61 – 84 months); $20,000 – $29,999: as low as 7.00% (85 – 144 months); $30,000 & Over: as low as 7.25% (145 – 180 months); $60,000 & Over: as low as 7.50% (181 – 240 months). Loan terms: Up to 60 months ($0 – $9,999) through 181 – 240 months ($60,000 & Over).