Holiday Closure: AFFCU will be closed on Monday, May 30 in observance of Memorial Day.

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Auto Loans & Car Buying

Take advantage of great rates as low as 2.24% APR* and flexible terms between 36 to 84 months.

Get Pre-Approved

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Find and buy your next vehicle

Save time and money with AFFCU’s Car Buying Service. Members save an average of $3,402** off MSRP.

Start Vehicle Shopping

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Get a loan for a new or used vehicle

Apply in minutes. Take advantage of great rates as low as 2.24% APR* and flexible terms between 36 to 84 months.

Explore Auto Financing

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Refinance your loan with us

Take advantage of lower rates and pay less for your car over time, with terms ranging from 36 to 84 months.

Try Auto Refinancing

Fuel Your Ride - Special Offer

When you finance your vehicle with AFFCU, not only will you save money with a great low rate, but you’ll save at the gas pump as well!


For a limited time, when you finance a new or used vehicle, or refinance a current loan from another financial institution with AFFCU, we’ll give you a $50 Royal Farms Gift Card1 to use for gas.

Get Yours. Apply Online

AFFCU Auto Loan Gas Gift Card Promo - Hand holding fuel pump in car fuel tank

Need More Resources to Get Started?

Check out our Car Buying Resource Center

Rates Options To Fit Your Needs

Vehicle Loans - New, Used, Refinance, & Secured


APR as low as*

Monthly Payment per $1,000

A used vehicle is classified as a vehicle one or more years older than current model year, or current model year vehicle with over 5,000 miles.
* APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as rate includes a rate discount of 1.00% for having a direct deposit established totaling at least $1,500 per month to an AFFCU account and having automatic loan payment transfers setup from an AFFCU account. Maximum loan-to-value (LTV) is 130% for vehicles less than 3-years old.
**Minimum amount of $25,000 required for 72 months or longer term.


Up to 60 months

APR as low as*


Monthly Payment per $1,000



72 months**

APR as low as*


Monthly Payment per $1,000



84 months**

APR as low as*


Monthly Payment per $1,000


Apply In A Few Minutes

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Auto Insurance

Turn to one of AFFCU’s insurance partners and let them work with you to find the best coverage at the best rate.

Explore Auto Insurance options

Auto Protection

Protect the investment in your vehicle with our Guaranteed Asset Protection (GAP) and Mechanical Breakdown Coverage services.

Discover our Auto Protection options


1) Offer valid on auto loans financed with AFFCU between April 1, 2022 through May 31, 2022. Applicable to vehicle purchases and auto loan refinances from another institution with a loan amount of at least $12,000 or greater. Offer not available on current AFFCU loans. Member will receive a $50 Royal Farms gift card via mail within 30-days of the auto loan closing. Applicant must mention gas gift card offer at time of application. Offer subject to change.