Low Rate Auto Loan - Arlington Federal Credit Union

New, Used & Refinanced Vehicles

Great rates, no matter your ride.

We make financing or refinancing simple and affordable with low rates, no payments for the first three months, flexible payment options — and more!

Lock in a low rate from ACFCU today and keep that rate for the next 60 days. If rates drop while you shop, you’ll get the lower rate!

Receive 0.50% APR* off your rate when you apply online.

RATES AS LOW AS

1.74
%
APR*

Features & Benefits

  • Offer available on new, used, and refinancing vehicles
  • No payments for the first 3 months1
  • Flexible payment options with due dates that fit your needs
  • Receive 0.50% APR* off your rate when you apply online
  • Terms up to 96 months
  • Quick loan decisions
  • Emails to remind you when your payments are due
  • Annual Skip-a-Pay2 option
  • Sign & send documents electronically
  • Free CARFAX®
  • Affordable protection plans, including GAP Advantagemajor mechanical coverage and payment protection.
Apply Now
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calendar icon Rates Effective: October 20, 2021
TYPE & MODEL YEARS TERMS UP TO FIXED APR* AS LOW AS SAMPLE MONTHLY PAYMENT FOR $20,0001
TYPE & MODEL YEARS New: 2020-2022 TERMS UP TO 36 Months FIXED APR* AS LOW AS 1.74% SAMPLE MONTHLY PAYMENT FOR $20,0001 $571
TYPE & MODEL YEARS New: 2020-2022 TERMS UP TO 60 Months FIXED APR* AS LOW AS 2.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $352
TYPE & MODEL YEARS New: 2020-2022 TERMS UP TO 72 Months FIXED APR* AS LOW AS 2.49% SAMPLE MONTHLY PAYMENT FOR $20,0001 $299
TYPE & MODEL YEARS New: 2020-2022 TERMS UP TO 96 Months FIXED APR* AS LOW AS 6.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $663 (Minimum loan amount $50,000)
TYPE & MODEL YEARS Used: 2014-2019 TERMS UP TO 36 Months FIXED APR* AS LOW AS 1.74% SAMPLE MONTHLY PAYMENT FOR $20,0001 $571
TYPE & MODEL YEARS Used: 2014-2019 TERMS UP TO 60 Months FIXED APR* AS LOW AS 2.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $352
TYPE & MODEL YEARS Used: 2014-2019 TERMS UP TO 72 Months FIXED APR* AS LOW AS 2.49% SAMPLE MONTHLY PAYMENT FOR $20,0001 $299
TYPE & MODEL YEARS Used: 2014-2019 TERMS UP TO 96 Months FIXED APR* AS LOW AS 6.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $681 (Minimum loan amount of $50,000)
TYPE & MODEL YEARS Used: Older Than 2014 TERMS UP TO FIXED APR* AS LOW AS SAMPLE MONTHLY PAYMENT FOR $20,0001 Call us for details on available financing options: 703.526.0200 x2
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Boats & RVs

We handle the fun stuff too.

Whether it’s the open water or the open road, we can finance your next purchase.

FEATURES & Benefits

  • Finance up to 144 months
  • Up to 95% financing on new or used boats or RVs $50K or more
  • Up to 100% financing on new or used boats or RVs less than $50K
Apply Now
calendar icon Rates Effective: January 3, 2020
TYPES & MODEL YEARS TERMS UP TO FIXED APR* AS LOW AS SAMPLE MONTHLY PAYMENT FOR $40,000
TYPES & MODEL YEARS 10 Years old or newer TERMS UP TO 96 Months FIXED APR* AS LOW AS 5.50% SAMPLE MONTHLY PAYMENT FOR $40,000 $515
TYPES & MODEL YEARS 10 Years old or newer TERMS UP TO 120 Months FIXED APR* AS LOW AS 6.25% SAMPLE MONTHLY PAYMENT FOR $40,000 $449
TYPES & MODEL YEARS 10 Years old or newer TERMS UP TO 144 months FIXED APR* AS LOW AS 7.25% SAMPLE MONTHLY PAYMENT FOR $40,000 $416

Motorcycle Loans

Fast and breezy financing.

Hop on, feel the wind in your hair and enjoy the same protection options as our boat, RV and car loans.

FEATURES & Benefits

  • Get on two wheels with just a minimum $2,500 loan amount
  • Finance up to 84 months
  • Up to 100% financing on new or used motorcycles
Apply Now
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calendar icon Rates Effective: October 20, 2021
TYPES & MODEL YEARS TERMS UP TO FIXED APR* AS LOW AS SAMPLE MONTHLY PAYMENT FOR $20,000
TYPES & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 60 Months FIXED APR* AS LOW AS 4.24% SAMPLE MONTHLY PAYMENT FOR $20,000 $370.49
TYPES & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 72 Months FIXED APR* AS LOW AS 4.49% SAMPLE MONTHLY PAYMENT FOR $20,000 $317.39
TYPES & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 84 months FIXED APR* AS LOW AS 5.49% SAMPLE MONTHLY PAYMENT FOR $20,000 $287.31 (minimum loan amount o$35,000)

Why Choose ACFCU For Your Auto Loan?

Logo for Rates As Low As 1.74% APR*

Rates As Low As 1.74% APR*

on new, used, and refinanced vehicles means you could save more each month.

Logo for No Payments for 3 Months<sup>1</sup>

No Payments for 3 Months1

so you can reliably get where you’re going while you focus on other financial priorities.

Logo for We Look Beyond Credit Scores

We Look Beyond Credit Scores

and listen to your unique story to better understand how we can best serve you.

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Becoming a member is easier than you think!

All you need is $5 and proof of eligibility.

You’re eligible to join if:

  • You live, work, worship, volunteer, go to school or do consistent business in Arlington, Fairfax County, City of Alexandria, and City of Falls Church, VA.
  • You’re an immediate family member of a current member: spouse, parent, grandparent, stepparent, child, grandchild, stepchild sibling/stepsibling
  • You live with someone who is eligible including a domestic partner, legal guardian, foster child, or roommate with shared finances
  • You have an immediate family member who is eligible to join under #1 above, even if they haven’t joined yet

Get more information.

The Fine Print

*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. To be eligible you must apply for and qualify for a car loan. Maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and apply for the car loan via our Online Application. Loan and membership requirements apply.

Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

1Not all members qualify for payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred payments may not exceed 90 days. For refinancing of joint car loans, both borrowers may be required to qualify for the offer.

2Skip-A-Pay is an optional program to defer a consumer loan payment for a $35 per skipped loan payment. Your loan must be open for one year to be potentially eligible for this benefit. Other qualifications apply. Finance charges will continue to accrue at the rate provided in your original loan agreement during and after the payment deferral. Deferring your payment(s) will result in higher finance charges and will extend the term of your loan(s). You will be required to resume regular monthly payment(s) the following month. Offer subject to change at ACFCU’s sole discretion.

Loan must close and fund within 60 days to receive the locked rate.