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 1.99% 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


APR as low as*

Monthly Payment per $1,000

* APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as APR includes 0.75% rate discount for members who have a direct deposit of at least $750 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.



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 For A Loan

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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.

Happy Members With An Auto Loan

Great customer service and rates. My auto loan has lower interest here than other places are offering me.
Caro A
Caro A
I have been a member of AFFCU for over 12 years. I wanted to get away from big banks that didn’t care about it’s members. My employer had AFFCU come out to a company event and when I met their team members they made me feel like family. I use them for all my banking needs, from credit cards to car loans. They have amazing rates and I will be a member for life. Thank you for making me feel like family and not just a number.
Janean C.
Janean C.
When I joined my company, they offered the opportunity to join a credit union. I immediately chose Atlantic Financial Federal Credit Union for their customer service, great auto loan rates, and word of mouth. And they did not disappoint! I purchase a new car and I reached out to the credit union for assistance. They emailed me back immediately and helped guide me through the buying process. I just paid off my car, and I promptly received the payoff documentation in the mail.
Jacquelyn Moser
Jacquelyn Moser
I seriously love AFFCU. I bumped into them by "accident" as I thought I was applying for car insurance, and I actually filled out a refinance application. Best "mistake" I've ever made. Their bankers are friendly and remember you, I saved money on my auto loan, I got a line of credit and a credit card with them. I also opened a checking and a savings. I was sad when I moved out of the state of Maryland, but quickly found that I can still do banking with them through Co-Op branches in my area! I will never need another credit union again! This is for life! Thanks for everything Atlantic Financial Federal Credit Union! When they get Apple Pay, I will be 100% set!
Nikita Ford
Nikita Ford
AFFCU you saved me over $100 a month on my auto loan. I just love my checking and savings accounts. The AFFCU Visa card is also a big savings. They are just awesome!
Phyllis Myers
Phyllis Myers
I've been an AFFCU member for over 40yrs, they are the first financial institution that I made investments other than a regular savings account with. They have always nurtured me matters regarding loans and investments, as well as provided opportunities for family activities. Highly Recommended. By the way; I can't leave out the fact that the Kasasa checking account that provide has offered me some many benefits, and protection from normal checking account fees for many years. Lastly, one of those loans I mention above was my first car loan; which I'm certain had the best interest rate.
Gwen Bryant
Gwen Bryant
I love doing business with AFFCU. I have been a loyal member for over 50 years (through various name changes & branch locations). They are very responsive to personal & auto loan requests. And with their Kasasa Cashback checking account your can acquire monthly Cashback rewards.
Phyllis Smith
Phyllis Smith

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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