Smiling family in car on sunny day

Auto Loans

Get behind the wheel in no time

Apply In Minutes

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 2.25% 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

Term

APR as low as*

Monthly Payment per $1,000

* APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as APR includes 0.50% rate discount for members who have a direct deposit of at least $500 per month established to their AFFCU account and have automatic transfers set up for the auto loan payment from an AFFCU account. Maximum loan-to-value (LTV) is 130% for vehicles less than 3-years old.
**Minimum amount of $20,000 required for 72 months or longer term.

 

Term

Up to 60 months

APR as low as*

2.25%

Monthly Payment per $1,000

$19.93

Term

72 months**

APR as low as*

2.50%

Monthly Payment per $1,000

$17.31

Term

84 months**

APR as low as*

3.75%

Monthly Payment per $1,000

$15.98

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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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Contact Us And Get Started

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(410) 584-7474