Auto Loans

Driven to find the best car loan? We'll beat your rate3 plus no payments until 20204! Whether you want to buy a new or used car, or refinance your current auto loan from somewhere else, now's the time with great low rates!

We’ve got you covered:

  • New low rates! As low as 2.49% APR* new (2018-2020) up to 60 months

    • Monthly payment example: $20,000 for 60 months at 2.49% APR* = $355.00

  • New low rates! As low as 2.99% APR* used (2012-2017) up to 60 months

    • Monthly payment example: $20,000 for 60 months at 2.99% APR* = $359.00

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. See also our page for more information on buying an Enterprise car and to apply for financing.

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


Motorcycle Loans

We’ll finance up to 110%2 on a new motorcycle. On a used motorcycle, we’ll finance the purchase price or up to 90% of the wholesale value as listed in the NADA guide, whichever is less.

  • 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. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. Loan and membership eligibility apply. To qualify for as low as rates, 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.

1. Interest will continue to accrue during the payment deferment period. Deferred payments may not exceed 60 days. Not all members qualify for payment deferment. Flex Car loans do not qualify for payment deferment.

2. Up to 110% financing available for new cars/motorcycles and NADA retail value for used cars/motorcycles. Certain conditions may apply.

3. To be eligible for the Beat Your Rate offer, you must apply for and qualify for a car loan. Offer not valid on car loans with current interest rates 2.49%APR or lower; model years 2012 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. Proof of current interest rate may be required. Normal underwriting guidelines apply. Minimum loan amount is $10,000. Offer ends 1.2.2020.

4. 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 auto loans, both borrowers may be required to qualify for the Beat Your Rate offer. Offer ends 1.2.2020.

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