New & Used Vehicles

An auto loan from ACFCU comes with flexible financing options and competitive low rates that can help you keep your monthly payments where you want them.

For a limited time, we’re offering the same great low rates for both new, used, and refinanced auto loans.

Plus, when you apply online, you’ll receive 0.50% APR* off your rate.

An ACFCU auto loan comes with:

  • Competitive low rates

  • Flexible financing options

  • No payments for up to 90 days1

  • Quick loan decisions

  • Free CARFAX®

  • Affordable protection plans

  • Online account management

New Car Loan Rates

Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
New: 209 - 2021 36 Months 1.74% $571.00
New: 2019 - 2021 60 Months 1.99% $350.00
New: 2019 - 2021 72 Months 2.24% $297.00

Used Car Loan Rates

Term & Model Years Term Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
Used: 2013 - 2018 36 Months 1.74% $571.00
Used: 2013 - 2018 60 Months 1.99% $350.00
Used: 2013 - 2018 72 Months 2.24% $297.00

Apply For Preapproval

Before you visit the dealership, apply for preapproval for an auto loan from ACFCU. If approved, you can walk into the dealership knowing exactly how much you can afford and confident that you have a great low-rate auto loan option from ACFCU. This is what we call buying power. Give our experienced ACFCU staff a call at 703.526.0200 x2 to see how much you can get approved for.

Ready to head to the dealership? Here’s some helpful information on What to Know at the Dealership (PDF).

Refinancing Your Vehicle

What’s your current interest rate? Are you paying more for your auto loan than you should? You may be able to replace your existing auto loan from somewhere else with a new one from ACFCU. Doing this could help you save money with a lower interest rate or help you reduce your monthly payments by selecting a term that works better for your budget.

Get the same great low rates, benefits, and special offers as our new and used auto loans. Apply online or give us a call at 703.526.0200 x2 and we’ll beat your current rate.1

Refinancing Rates for New Car Loans

Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
New: 209 - 2021 36 Months 1.74% $571.00
New: 2019 - 2021 60 Months 1.99% $350.00
New: 2019 - 2021 72 Months 2.24% $297.00

Refinancing Rates for Used Car Loans

Term & Model Years Term Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
Used: 2013 - 2018 60 Months 1.99% $350.00
Used: 2013 - 2018 72 Months 2.24% $297.00

The Flexible Loan Option

ACFCU’s Flex Car Loan is a unique loan option designed to solve your greatest problem: driving the car you want with affordable monthly payments.

If you’re not familiar with leasing, but like lower monthly payments, check out these benefits or use our Flex Car Payment Calculator to see how a Flex Car Loan could work for you.

Lower Monthly Payment - With a Flex Car Loan, a portion of the loan is put off until the end of the term, paid in a lump sum as the final payment. The main benefit of this structure is that it reduces your monthly payment. Your monthly payments could be up to 40% lower than a conventional loan!

Ownership Benefits - The vehicle is titled in your name. At any time during or at the end of your term, you can: buy, sell, trade-in, or refinance.

Lease-Like Options - Enjoy getting a new car every few years? You don’t have to keep the vehicle. At the end of your loan, you also have the option to simply return the vehicle instead of making that final payment.

How It Works – Let’s say you select a Flex Car Loan with a 3-year term. A guaranteed future value is set for what your car will be worth in 3 years. This value is your final payment.

  • At the end of the 3-year term, your vehicle is worth more than your final payment. What do you do with that? Well, you can buy, sell, or trade-in and benefit from the extra money!

  • But what if your vehicle is worth less than your final payment? You can simply return the vehicle and start over fresh with a new car and a new loan!2

Qualifying Vehicles - New and used vehicles up to five years old are eligible. Electric vehicles are not.

Learn more about our Flex Car Loan by speaking with one of our advisors at 703.526.0200 x2 or apply online.

Flex Car Loan Rates

Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
New: 2019 - 2021 36 Months 3.74% $303.00
New: 2019 - 2021 60 Months 3.99% $261.00
New: 2019 - 2021 72 Months 4.24% $228.00
Used: 2013 - 2018 60 Months 3.99% $293.00
Used: 2013 - 2018 72 Months 4.24$ $262.00


Motorcycle, Boat & RV

ACFCU wants to help you finance your next adventure! Our loans come with competitive low rates and flexible financing options to fit your budget.

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

  • Affordable payment protection plans are available

Get started with your next adventure. Apply online.

Enterprise

Did you know Enterprise isn’t just a rental car company? They also sell well-maintained former rental cars and SUVs. We partner with Enterprise to offer you great deals on used cars all with an auto loan from ACFCU. They offer a wide range of vehicles between one and three years old, and every vehicle comes with a 12-month/12,000-mile extended service agreement.

Browse their entire inventory of used vehicles by visiting Enterprise Car Sales.

Affordable Protection Plans


The Fine Print

*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. Monthly payment examples: a new or used vehicle for $20,000 at 1.74% APR for 36 months = $571.00 and for 60 months at 1.99% = $350.00. To be eligible you must apply for and qualify for a car loan. Offer not valid on car loans with current interest rates 1.74% APR or lower; model years 2013 or older; existing ACFCU car loans; 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. Offer ends 9.30.2020.

1. Not 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.

2. Disposition fee of $195.00.

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