Auto & Vehicle Loan Rates

Explore what lies just over the horizon with a vehicle loan from Atlantic Financial FCU. Whether you’re planning on buying new, used, or refinancing your previous loan, our team is prepared to help you achieve your goals as quickly and smoothly as possible.

Auto Loan Rates

Discover a hassle-free auto financing experience that hinges on flexible terms, low rates, and extraordinary member benefits.

Vehicle Loans - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount	Automated Payments APR* as low as 5.49%	Estimated Monthly Payment per $1,000 $23.26
Term/Months 63	Minimum Loan Amount	Automated Payments APR* as low as 5.74%	Estimated Monthly Payment per $1,000 $18.43
Term/Months 75	Minimum Loan Amount	Automated Payments APR* as low as 6.24%	Estimated Monthly Payment per $1,000 $16.14
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 7.04%	Estimated Monthly Payment per $1,000 $15.12

Learn More About Auto Loans & Car Buying

Auto Loan Calculator

Curious how low your monthly car payment could be? Not sure how much you need down to get an optimal auto loan rate? Check out this helpful calculator and get answers now!

Auto Loan Calculator

Results

Monthly Payment

$____

What Impacts Your Auto Loan Rate?

Several factors play a role in determining the interest rate you qualify for. Some of these include:

Term Length: The longer your loan term lasts, the lower your monthly interest rates will be. However, it is important to note that your overall monthly payments will increase with a shorter time frame.
Credit Scores: The higher your credit score is, the better rates you can get on your loan. If your credit is subprime, you need to choose a car that fits in your price range.
Down Payments: Down payments provide additional surety to lenders, and drives your overall principle down. This method is an excellent way to save interest on long term auto loans.

Discover More About Recreational Loans

FAQ For Auto Loans

Credit union members are eligible to refinance their current auto loan any time after the initial purchase. It is important to determine the best time to refinance a vehicle before continuing with the process. Ensure that you are qualified for a refinance by speaking with one of our loan officers.

Atlantic Financial FCU is not able to issue loan payment coupons at this time. You will receive loan balance and payment information each month included in your statement.

Atlantic Financial FCU makes auto loan applications simple and convenient. You may apply online or over the phone any time, anywhere.

“You guys had the lowest percentage rate for my car loan by far!”

— Stephanie A.