Car Loans

Whether you want to buy a new or used car, or refinance your current car loan from somewhere else, we're with you with rates as low as 2.74% APR*.

Apply online today for up to 0.25% APR* off your rate or call 703.526.0200 x2!

Get an answer on your application the same business day you apply and we provide you with a free CARFAX® report.

We’ve got you covered:

  • Rates as low as 2.74% APR* new (2019-2021) up to 60 month

  • Rates as low as 3.24% APR* used (2013-2018) up to 60 month

A low rate is just the start. We also offer:

Ready to head to the dealership?

Here's some helpful information on What to Know at the Dealership (PDF).


Like the perks of leasing?

Find out how you can get the benefits of a traditional car loan but with all the perks of leasing with our Flex Car Program.

Not familiar with leasing?

Find out how you can benefit from a lower monthly payment! Check out our Flex Car Program.


Enterprise Car Sales

We partner with Enterprise to offer you great deals on used cars. Visit the Enterprise website for more information.

Easily calculate how much you could save by refinancing with us.


Motorcycle Loans

  • A minimum loan amount of $2,500 is required.

  • Affordable Payment Protection plans available!


The Fine Print

*APR = Annual Percentage Rate. Rates subject to change without notice. Payment examples: a new vehicle for $20,000 at 2.74% APR for 60 months = $357.00 and a used vehicle for $20,000 at 3.24% APR for 60 months = $361.53. Not all applicants will qualify for the lowest rate. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

1Not all applicants qualify. Offer not valid on model years 2013 or older or existing ACFCU car loans. Minimum loan amount is $10,000. The purchase of GAP or Warranty will not affect your application for credit or the terms of an existing credit approval you have with us. GAP will be discounted from $429 to $329 for conventional auto loans and $430 to $330 for Flex Car Loans. The $100 discount will be included in all warranty quotes and will be applied at the time loan is funded with warranty. No cash value. Loan and membership requirements apply. Loans must be funded by 5.31.2020.

2Not all members qualify for payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred payments may not exceed 90 days. Loan and membership requirements apply.

Additional details can be found here regarding current APRs and payment examples.