Auto Loans


Auto Loan Graphic 1

New Auto Financing

Are you ready for a new car?  AFCU has great competitive rates & 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.  Its 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 its 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 $100.00 CASH³ and we’ll  defer your first payment up to 60 days2 !  Start saving money and check out our Rates today!

Plus, look at all the other benefits you receive by refinancing with the Credit Union:

  • Auto Refinance Rates as low as 2.49% APR1
  • Convenient automatic payments with Direct Deposit
  • Financing up to 72 months
  • No payment for up 60 days2
  • $100.00 Cash Back³

1 APR is Annual Percentage Rate.  The Annual Percentage 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 based on collateral value.  Rate is subject to change without notice. 
2 Interest accrues from date loan is funded.
³$100.00 cash deposited into your account upon funding of loan over $10,000.00.