Atlantic Financial FCU branches will be closed on Monday, May 27th for Memorial Day. Enjoy convenient access to your accounts via online banking 24/7.

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Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

Your next vehicle is within reach

At AFFCU, we make getting a loan fast and easy. Whatever your credit picture looks like, we understand the need and importance of getting behind the wheel. We’ll work with you to get in the driver’s seat with financing you can afford.

Up to 125% Financing

We offer flexible financing options to fit your needs with up to 125% LTV.

Competitive Rates

We make financing affordable with great rates as low as 5.49% APR*.

Flexible Terms

Options to fit your budget with terms available from 36- to 84-months.

Easy Application & Closing

From applying to closing, we make the experience easy with the ability to do it all online without the need to visit a branch.

Simple Pre-Approval Process

Make your car buying experience easy by getting pre-approved before you walk on the car lot

Comprehensive Protection Services

Be sure to protect your new ride with affordable Mechanical Breakdown, GAP and Debt Protection services available.

Check Out Our Everyday Great Low Rates

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 checking account with 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


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Be Sure To Protect Your New Ride

Enjoy your new ride with the confidence of knowing your covered for whatever the road ahead brings. The right protection goes beyond just having car insurance.

GAP Protection

Should an accident happen and your vehicle is deemed a total loss, GAP Protection helps fill the gap between what your insurance will pay and what you owe on your loan. Don’t get stuck paying for a vehicle you can’t even use.

Mechanical Breakdown

Those costly car repairs always seem to happen shortly after your factory warranty expires. Mechanical Breakdown Coverage helps you limit the cost and unexpected out of pocket expenses of any breakdowns.

Credit Life & Disability

Life happens and unexpected situations can derail even the best plans. Having the right Credit Life and Disability Insurance to help make your loan payments when you can’t will help protect more than just your finances.

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

— Stephanie A.

No, we make applying simple and convenient. You can apply online in minutes, anytime, anywhere.

No, we offer convenient loan closing options that do not require you to come to a branch. We can send you all the applicable loan documents for review and signing electronically allowing you to close your loan from anywhere.

No, we do not issue loan payment coupons. You will receive your loan balance and payment information monthly with your member statement.

You may submit your monthly loan payment in a number of ways. You may mail us a check, transfer funds from your AFFCU accounts to your loan as payment, use your financial institutions online bill pay system, or pay by card (fees applicable).

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Credit Scores and Car Buying

Learn about how your credit score impacts getting a car loan and what kind of credit score you need to buy a car.

Read more about credit scores and car buying.

Make Filling Your Gas Tank More Rewarding

Reward yourself every time you fill up your gas tank, or any other purchases, with a VISA Platinum Rewards Credit Card.

Learn more about our rewards credit card

Contact Us And Get Started

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(410) 584-7474