Auto Loans


New Auto Financing

Are you ready for a new car? AFCU has great competitive rates and great terms with 100% auto financing available. Our rates are some of the lowest in town. As other institutions have gradually increased their rates, AFCU has kept our rates low to help our members. We understand that you may have to purchase your car from the dealer, but you don’t have to finance your car from the dealer!  Don’t get “closed” at the dealer on dealer financing. Get pre-approved to make your car buying experience a breeze. It’s like paying with cash! Let us help you with great financing options that are right for you and we will put you behind the wheel of your next new car!


Used Auto Financing

Maybe a new (to you) used car is in order. Sometimes it’s better to take the route of a used car. Used cars are less expensive and in many situations the depreciation has been absorbed by the previous owner. This means a better value for you. The credit union has a number of tools to help you in the used car buying process. We can quickly evaluate the price for fairness using NADA information and we can also search the damage history using CarFax. These are just a couple of services the credit union provides to help our members get a automobile they like and financing they love.


Refinance Auto Loans

Did you finance your car someplace other than the credit union? Well, we want you back! Refinancing your vehicle up to your current balance is quick, easy and could save you a great deal of money by lowering your payment and interest rate. In fact, to win your business, if you refinance your loan from another institution AFCU will give you $100 Cash3 and we'll defer your first payment up to 60 days! Start saving money and check out our rates today!

Plus look at all of the other benefits you receive by refinancing with the credit union:

  • Auto refinance rates as low as 2.99% APR1
  • Convenient automatic payments with direct deposit
  • Financing up to 72 months
  • No payment for up to 60 days2
  • $100 cash back3

1APR is Annual Percentage Rate. The annual precentage rate is the advertised rate and can vary based on credit worthiness, age of vehicle and of the loan. Your rate can be higher depending on credit performance. Financing up to the retail value of the auto is available. Rate is subject to change without notice.
2Interest accures from date the loan is funded.
3$100 cash deposited into your account upon funding over $10,000.