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AFFCU Mobile

Free - On the App Store


AFFCU Mobile

Free - On the App Store


Get a better deal

Is your car payment not working for you? Get a better deal from a credit union you trust.

Apply Now
  • Just a few reasons to refinance

    Sometimes, your car loan needs a fresh start. Refinancing can be an excellent way to save money. You may be able to save on rates, reduce your monthly payments, get a payment break while refinancing is being processed, and qualify for a better loan because of a change in your credit score or other financial circumstance. If you’re not satisfied with your current loan, then fill out a free application today to get a better deal at AFFCU.

    • Save money by reducing your monthly payments
    • Get more flexibility in your term and payment options
    • Save time with an easy online application and quick decision-making process
    • Member Rewards discount that may reduce your rate up to 50 basis points!

    “AFFCU is awesome! They treat me like family whenever I walk into any branch. They care about your financial situation and take the time to help you improve your credit. They will tell you what you need and put their money where their mouth is. They helped me get a loan to start my recovery process to a better credit score. Now they just approved me for a car loan and I couldn’t be happier with AFFCU!”

    Joe Fernandez, member since 2013
    Ready to see how much you can save?

    Fill out a quick online application and find out if we can get you a better rate or term.

    Apply Now

    Auto Loan Interactive Lesson

    Explore how auto loans work through the AFFCU Financial Education Center. Learn how they’re financed, how installment loans are calculated, and the difference between fixed and variable rate loans.


  • Type Auto Loan Rates: Used

    Rates Effective as of: 04-05-2020
    Model Year Term APR1 as low as Monthly Payment2
    Current + 1 year up to 66 months 3.70% $16.77 Apply Today
    Current + 1 year 67 to 72 months 3.93% $15.62 Apply Today
    Current + 1 year 73 to 84 months 5.54% $14.39 Apply Today
    2 to 4 years up to 66 months 3.80% $16.82 Apply Today
    2 to 4 years 67 to 72 months 4.08% $15.69 Apply Today
    5 to 7 years up to 48 months 4.00% $22.58 Apply Today
    5 to 7 years 49 to 60 months 4.38% $18.59 Apply Today
    8 to 10 years up to 48 months 4.20% $22.67 Apply Today
    8 to 10 years 49 to 54 months 4.63% $20.55 Apply Today

    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 term and rate shown above. For used/refinance auto, estimated monthly payment per $1,000 borrowed at 3.70% APR for 66 months is $16.77.

    - Used/Refinance Auto

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