System Maintenance Notice – Due to scheduled system maintenance, AFFCU’s online and mobile banking systems may experience temporary disruptions on Sunday, October 17 between 1:00 AM to 7:00 AM.

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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, Used, Refinance, & Secured

Term

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 $1,000 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 $20,000 required for 72 months or longer term.

Term

Up to 60 months

APR as low as*

1.24%

Monthly Payment per $1,000

$19.45

Term

72 months**

APR as low as*

1.24%

Monthly Payment per $1,000

$16.70

Term

84 months**

APR as low as*

2.24%

Monthly Payment per $1,000

$15.22

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

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Results

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.