Car Loan Rates in Cockeysville

Explore what lies just over the horizon with a car loan from Atlantic Financial Federal Credit Union. 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.

Discover a hassle-free auto financing experience that hinges on flexible terms, low rates, and extraordinary member benefits. No need to come into a branch. Apply online from your home in Cockeysville.

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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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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Why Choose Atlantic Financial?

Competitive Rates

Quick Application Process

No Prepayment Penalty

Flexible Terms

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

— Stephanie A.

What Impacts Your Auto Loan Rate?

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

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.

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 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.

Save Thousands With Our Hassle Free Car Buying Service

Save money and time with AFFCU’s car buying service through TrueCar®. Through TrueCar®, we work with local, pre-screened dealers to ensure a better, hassle-free car buying experience. Get access to unlimited Price and Market Reports, compare features, view pictures, read reviews, and check your trade-in value.

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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.

Serving Cockeysville for Decades

Atlantic Financial Federal Credit Union is located in Hunt Valley, MD, but our loans & accounts can be accessed online 24/7.