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Low payments. Low rates. Loads of convenience: You know what you’re looking for when you finance a new or used car—and with Arlington Community Federal Credit Union, that’s exactly what you’ll find. From helping you find a loan that works with your budget to protecting the investment you’ve made, we’re with you step by step—and mile after mile.
New & Used Car Loans
Buy or refinance and save.
At ACFCU, we make financing or refinancing a car simple and affordable with low rates, flexible payment options, great service—and more—because we’re more than a lender, we’re your neighbor.
Rates As Low As
1.74%
%
APR*
- Super low rates on new and used vehicles up to eight years old (Terms and rates for older cars available)
- Save up to 0.50% APR* when you apply online
- No payments for up to 90 days1
- Flexible payment options with due dates that fit your needs
- Quick loan decisions
- Emails to remind you when your payments are due
- Annual Skip-a-Pay2 option
- Flexible terms up to 96 months
- Sign & send documents electronically
- Free CARFAX®
- Affordable protection plans, including GAP Advantage, major mechanical coverage and payment protection.
Rates Effective: February 1, 2021| Type & Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $20,000† |
|---|---|---|---|
| Type & Model Years New: 2020-2022 | Terms Up To 36 Months | Fixed APR* As Low As 1.74% | Sample Monthly Payment for $20,000† $571 |
| Type & Model Years New: 2020-2022 | Terms Up To 60 Months | Fixed APR* As Low As 2.49% | Sample Monthly Payment for $20,000† $355 |
| Type & Model Years New: 2020-2022 | Terms Up To 72 Months | Fixed APR* As Low As 2.74% | Sample Monthly Payment for $20,000† $302 |
| Type & Model Years New: 2020-2022 | Terms Up To 96 Months | Fixed APR* As Low As 6.24% | Sample Monthly Payment for $20,000† $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 $20,000† $571.00 |
| Type & Model Years Used: 2014-2019 | Terms Up To 60 Months | Fixed APR* As Low As 2.49% | Sample Monthly Payment for $20,000† $355 |
| Type & Model Years Used: 2014-2019 | Terms Up To 72 Months | Fixed APR* As Low As 2.74% | Sample Monthly Payment for $20,000† $302 |
| Type & Model Years Used: 2014-2019 | Terms Up To 96 Months | Fixed APR* As Low As 6.24% | Sample Monthly Payment for $20,000† $663 (minimum loan amount $50,000) |
Flex Car Loan
A car loan with low, lease-like payments and all the flexibility you need.
Designed for members who like to change cars every few years, Flex Car loans provide budget-friendly monthly payments that are far lower than traditional financing with flexible terms that fit your life—all with no down payment or prepayment penalty. Another plus: You can use this loan for a used car too!
- Lower monthly payments— up to 40% lower than with conventional financing
- No down payment required and no prepayment penalties
- Flexible loan terms from two to six years
- Trade in the vehicle at any time without penalty
- Walk away option at the end of the term for as little as $1953
- Variety of mileage options (12,000, 15,000 or 18,000 miles annually)
- Affordable protection plans, including GAP Advantage, major mechanical coverage and payment protection
Use our Flex Car calculator to see how much you can save.
Rates Effective: February 1, 2021| Type & Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $20,0003 |
|---|---|---|---|
| Type & Model Years New: 2020-2022 | Terms Up To 24 Months | Fixed APR* As Low As 3.74% | Sample Monthly Payment for $20,0003 $413 |
| Type & Model Years New: 2020-2022 | Terms Up To 36 Months | Fixed APR* As Low As 3.74% | Sample Monthly Payment for $20,0003 $315 |
| Type & Model Years New: 2020-2022 | Terms Up To 60 Months | Fixed APR* As Low As 4.49% | Sample Monthly Payment for $20,0003 $272 |
| Type & Model Years New: 2020-2022 | Terms Up To 72 Months | Fixed APR* As Low As 4.74% | Sample Monthly Payment for $20,0003 $252 |
| Type & Model Years Used: 2016-2019 | Terms Up To 24 Months | Fixed APR* As Low As 3.74% | Sample Monthly Payment for $20,0003 $416 |
| Type & Model Years Used: 2016-2019 | Terms Up To 36 Months | Fixed APR* As Low As 3.74% | Sample Monthly Payment for $20,0003 $311 |
| Type & Model Years Used: 2016-2019 | Terms Up To 60 Months | Fixed APR* As Low As 4.49% | Sample Monthly Payment for $20,0003 $249 |
| Type & Model Years Used: 2016-2019 | Terms Up To 72 Months | Fixed APR* As Low As 4.74% | Sample Monthly Payment for $20,0003 $230 |
Boats & RVs
We handle the fun stuff too.
Whether it’s the open water or the open road, we can finance your next purchase.
- 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
Rates Effective: January 3, 2020| Type/Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $40,000† |
|---|---|---|---|
| Type/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† $515.00 |
| Type/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† $449.00 |
| Type/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† $416.00 |
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.
- 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
Rates Effective: February 1, 2021| Type/Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $20,000† |
|---|---|---|---|
| Type/Model Years New: 2020-2022 | Terms Up To 60 Months | Fixed APR* As Low As 4.49% | Sample Monthly Payment for $20,000† $373 |
| Type/Model Years Used: 2014-2019 | Terms Up To 60 Months | Fixed APR* As Low As 4.49% | Sample Monthly Payment for $20,000† $373 |
| Type/Model Years New or Used | Terms Up To 84 Months | Fixed APR* As Low As 5.49% | Sample Monthly Payment for $20,000† $503 (minimum loan amount o$35,000) |
Enterprise Car Sales
Buy. Sell. Trade. Enterprise makes it easy.™
ACFCU has partnered with Enterprise Car Sales to offer our members certified pre-owned vehicles at reasonable haggle-free prices. Shop available inventory, estimate your trade-in and monthly payments, schedule a test drive, and apply for an ACFCU auto loan for up to 90 days no payments.1
Call 703.526.0200 x2 or apply online to get your pre-approval started.
- Your ACFCU auto loan can be processed on the spot for a seamless purchase experience
- Over 250 makes and models
- Every vehicle has to pass a rigorous 109 point inspection4
- Free CARFAX Vehicle History Report™
- Trade-ins welcome
- All vehicles come with a 12-month/12,000 mile limited powertrain warranty5
- Worry-free ownership includes 12 months of unlimited mileage roadside assistance
- If you change your mind for any reason, Enterprise will buy your vehicle back within seven days or 1,000 miles – no questions asked
Why Choose Arlington
As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.
Financial Empowerment
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
Rewarding Experience
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
Utmost Integrity
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
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. 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 4.14.2021.
†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.
3Payments made under the Flex Car Loan will not pay off the total loan balance and there will be an outstanding balance at the end of the loan term. Monthly payment examples: New vehicle: $20,000 for 60 months at 3.99% = $268.00. Used vehicle: $20,000 for 60 months at 4.49% = $298.00. Flex Car payment examples are based on new 2020 Kia Forte 2WD 4D Sdn FE Automatic Transmission and used 2017 Honda CR-V EX 2WD. Payment examples may be different due to payment protection, etc. Flex Car payments are specific to the type of car and its residual value calculation. Calculator is not a guarantee of credit. Disposition fee of $195.00.
4Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
5Limited powertrain warranty: begins on the vehicle purchase date & extends for 12 months or 12,000 miles, whichever comes first. Coverage runs concurrently with manufacturer warranty. Restrictions apply. See a Sales Consultant for details.
6Maximum cash back is 1% of loan balance, up to $500. Cash back will be deposited into savings account within 2 weeks of loan closing. If loan is paid off within 24 months, cash back amount will be added to payoff amount. Only refinanced vehicles are eligible; minimum loan $10,000. Offer ends 4.14.21
The “e” logo, Enterprise, “Enterprise Certified” & “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2019 Enterprise Car Sales.
