Car Loans

Ready to buy a new or used car? Apply online today for up to 0.50% APR* off your rate. We're with you with rates as low as 1.74% APR*.

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 1.74% APR* new (2019-2021) and used (2013-2018) up to 36 months

  • Rates as low as 1.99% APR* new (2019-2021) and used (2013-2018) up to 60 months

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. 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.

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