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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 - Same Great Rate!
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
3.99
%
APR*
- Same great 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: March 25, 2026| Type & Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $20,000† | Minimum Loan Amount |
|---|---|---|---|---|
| Type & Model Years New and Used: Seven Years and Newer | Terms Up To 36 Months | Fixed APR* As Low As 3.99% | Sample Monthly Payment for $20,000† $590 | Minimum Loan Amount No minimum |
| Type & Model Years New & Used: Seven Years and Newer | Terms Up To 60 Months | Fixed APR* As Low As 4.39% | Sample Monthly Payment for $20,000† $372 | Minimum Loan Amount $10,000 |
| Type & Model Years New & Used: Seven Years and Newer | Terms Up To 72 Months | Fixed APR* As Low As 4.65% | Sample Monthly Payment for $20,000† $319 | Minimum Loan Amount $20,000 |
| Type & Model Years New & Used: Seven Years and Newer | Terms Up To 84 Months | Fixed APR* As Low As 5.65% | Sample Monthly Payment for $20,000† $289 | Minimum Loan Amount $35,000 |
| Type & Model Years New & Used: Seven Years and Newer | Terms Up To 96 Months | Fixed APR* As Low As 8.19% | Sample Monthly Payment for $20,000† $714 | Minimum Loan Amount $50,000 |
| Type & Model Years Older Model Cars: Eight Years and Older | Terms Up To 36 Months | Fixed APR* As Low As 4.69% | Sample Monthly Payment for $20,000† $597 | Minimum Loan Amount No minimum |
| Type & Model Years Older Model Cars: Eight Years and Older | Terms Up To 60 Months | Fixed APR* As Low As 4.79% | Sample Monthly Payment for $20,000† $376 | Minimum Loan Amount $10,000 |
| Type & Model Years Older Model Cars: Eight Years and Older | Terms Up To 72 Months | Fixed APR* As Low As 5.25% | Sample Monthly Payment for $20,000† $324 | Minimum Loan Amount $20,000 |
| Type & Model Years Older Model Cars: Eight Years and Older | Terms Up To 84 Months | Fixed APR* As Low As 7.15% | Sample Monthly Payment for $20,000† $303 | Minimum Loan Amount $35,000 |
Auto Buying Made Simple
Find a Car
Explore ACFCU’s trusted AutoSMART dealers and browse local inventory—all in one place.
Find a Dealership
Connect with reputable, community‑focused dealerships to make your car‑buying journey smoother from the start.
Find Your Budget
Get a clearer picture of what fits your financial goals with tools designed to help you shop confidently and stay on track.
Apply Now
Start your pre‑approval and head to the dealership with confidence, knowing your financing is ready to go.
Car Loan Calculator
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: June 24, 2022| 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 8.00% | Sample Monthly Payment for $40,000† $565 |
| Type/Model Years 10 Years old or newer | Terms Up To 120 Months | Fixed APR* As Low As 8.75% | Sample Monthly Payment for $40,000† $501 |
| Type/Model Years 10 Years old or newer | Terms Up To 144 Months | Fixed APR* As Low As 9.75% | Sample Monthly Payment for $40,000† $472 |
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: March 25, 2026| Type/Model Years | Terms Up To | Fixed APR* As Low As | Sample Monthly Payment for $20,000† |
|---|---|---|---|
| Type/Model Years New and Used: Seven Years and Newer | Terms Up To 36 months | Fixed APR* As Low As 5.99% | Sample Monthly Payment for $20,000† $608 |
| Type/Model Years New and Used: Seven Years and Newer | Terms Up To 60 Months | Fixed APR* As Low As 6.39% | Sample Monthly Payment for $20,000† $391 |
| Type/Model Years New and Used: Seven Years and Newer | Terms Up To 72 Months | Fixed APR* As Low As 6.65% | Sample Monthly Payment for $20,000† $339 |
| Type/Model Years New and Used: Seven Years and Newer | Terms Up To 84 Months | Fixed APR* As Low As 7.65% | Sample Monthly Payment for $20,000† $541 (minimum loan amount of $35,000) |
Auto Insurance Discount
Travelers Auto Insurance Program
Arlington Community members are eligible for a discount on auto insurance from Travelers.
- Member discount on auto insurance from Travelers
- Additional discounts could be available like multi-policy,
- Free, no-obligation quotes from licensed insurance representatives by phone or online.
Why Remarkable Service
is Right For You
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.
Vehicle Title and Registration
-
I just paid off my vehicle loan with ACFCU, when will I receive my title?
Typically, ACFCU will release the lien within 10 business days after we receive your payoff. Following that, delivery of the title or lien release can take an additional 7 to 10 business days. Some states process titles electronically, while others do not. You can contact your local titling or registration authority for more information about their processes and timelines. Please note that your state’s processing requirements may vary.
-
I'm moving to another state and need to register my vehicle in my new state. How do I get my title from ACFCU?
ACFCU will temporarily release the title to you so you can take the title to your local DMV to register the vehicle. The new title must be returned to ACFCU within 30 days.
-
I need to add or remove someone from my vehicle title, how do I do that?
ACFCU will temporarily release the title to you so you can take it to your local DMV to add or delete a name from the title. The new title must be returned to ACFCU within 30 days.
-
I just purchased a vehicle with a loan from ACFCU, how is titling handled?
If you purchased your vehicle from a dealer, they may handle the registration and title paperwork and submit it to your local DMV. The DMV will then send the lien-recorded title to ACFCU.
If you purchased your vehicle from a private seller or are titling the vehicle yourself, most states require you to take the title, purchase order, and loan note to your local DMV. Once the DMV has processed the paperwork, they will send a lien-recorded title to ACFCU.
-
I just refinanced my vehicle from my old lender to ACFCU, do I need to do anything with the vehicle title?
If you refinanced your vehicle with ACFCU and we paid off your previous financial institution, they should release the title directly to us. ACFCU will then send the title to the appropriate DMV to have our lien recorded.
-
What happens if ACFCU does not receive the title to my vehicle with the lien recorded?
This most commonly occurs when a member purchases a vehicle from a private seller or chooses to self-title the vehicle. If the lien is not recorded on the vehicle title within 90 days of receiving the loan, ACFCU may increase the interest rate on the vehicle loan to 17%. Our Member Solutions Team will reach out to you after 30 days to see if any assistance is required in getting the lien recorded on the title.
-
What address should titles be sent to?
The dealer, DMV or other financial institution should submit paperwork to:
Arlington Community Federal Credit Union
PO Box 40070
Arlington, VA 22204
-
Who do I contact to receive a copy of my title?
ACFCU does not house paper titles. However, under exceptional circumstances, we may be able to request a paper title from your local DMV, which may take 15 days. Please contact us at 703.526.0200 or by email at titlegroup@arlingtoncu.org.
Vehicle Insurance
-
I need to provide ACFCU with my current vehicle insurance policy. What is the best way to do that?
Please upload evidence of your current vehicle insurance to myinsuranceinfo.com. ACFCU partners with Allied Solutions to monitor ACFCU financed vehicles to ensure the vehicle is properly insured. Uploading a copy of your current declaration page directly to Allied Solutions will ensure all records are up to date with the most accurate information. You may also call 800-653-8812 if you have additional questions.
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I was contacted by Allied Solutions regarding my vehicle insurance. Who is this?
ACFCU partners with Allied Solutions to monitor ACFCU financed vehicles to ensure the vehicle is properly insured. If Allied Solutions determines the vehicle is not sufficiently insured, they will contact either you or your insurance agent. You may also receive a text message requesting you to upload a copy of your current declaration page to myinsuranceinfo.com.
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What type of coverage must I maintain on my vehicle?
Comprehensive and Collision coverage with deductibles of $1,000 or less.
The Fine Print
*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. Minimum loan $5,000. Maximum loan to value restrictions may apply based on the MSRP of new vehicles and the NADA retail value of used vehicles. Members who apply online will receive a 0.50% APR discount on an Auto Loan. 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.
†Member payment may differ from examples due to such variances as payment protection being added to the loan or different first payment dates.
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 $25 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.