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Auto Loans

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  • Why credit unions make great lenders

    Whether you’re in the market for a new or used vehicle, or simply want to refinance your existing loan, AFFCU has the best options for you. We offer great rates and flexible terms to fit everyone’s budget.

     

    Plus, add on Guaranteed Asset Protection (GAP), Major Mechanical Protection (MBP) or Credit Life and Disability (CL/CD) at reasonable costs to protect your investment.

     

    Already applied?

     

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    *All loans subject to credit approval. Internal loans must have equity in the vehicle to qualify for refinance. Membership eligibility required.

     

    Your purchase of Mechanical Breakdown Protection (MBP) Insurance, underwritten by Allied Solutions, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative for a full explanation of the terms.

     

    Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL-1333724.1-1015-1117

    • No payment for 60 days on new, used or refinanced vehicles*
    • Low rates that won’t drain your wallet
    • Pre-approval available for convenient shopping
    • Learn About Credit Insurance

    “Since I was a young boy I always wanted a Dodge 330 426 Max Wedge but never thought I would get the chance to own one. That was until August 2014 when I found the car of my dreams at a local dealership. With the expert help of the credit union representative, I was able to make my dream a reality and I can’t thank AFFCU enough.”

    Jon Hooper, member since 2014
    New to AFFCU?

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    FREE Auto Loan Interactive Lesson

    Explore how auto loans work through the AFFCU Financial Education Center. Review resources, options, and steps to help guide you through the process of selecting and buying a car.

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    More vehicle options?

    We cover a variety of different recreational vehicle needs. Adventure is just around the corner!

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    Looking to Refinance?

    Need to get a better rate on your current auto loan? We can help you out.

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  • Type Auto Loan Rates: New

    Rates Effective as of: 12-07-2021
    Term APR1 as low as Monthly Payment2
    Up to 48 months 2.19% $21.78
    Up to 60 months 2.25% $17.64
    61 to 72 months 2.45% $14.95
    73 to 84 months 3.99% $13.67

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required.

    2 Monthly payment is based on payment per $1,000 for the maximum term and rate shown above. For new auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for 60 months is $17.64.

    Type Auto Loan Rates: Used

    Rates Effective as of: 12-07-2021
    Model Year Term APR1 as low as Monthly Payment2
    Current to 7 years up to 48 months 2.19% $21.78
    Current to 7 years up to 60 months 2.25% $17.64
    Current to 7 years 61 to 72 months 2.45% $14.95
    Current to 7 years 73 to 84 months 3.99% $13.67
    8 to 10 years up to 36 months 3.95% $29.51
    8 to 10 years up to 48 months 4.38% $22.75

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required.

    2 Monthly payment is based on payment per $1,000 for the maximum term and rate shown above shown. For used/refinance auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for 60 months is $17.64.

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