Get pre-approved and drive home today

All of our used auto loans have the option of no down payment based on credit worthiness. For newer models (up to 3 years old), you can save even more money with 84-month terms and affordable monthly payments1. Older models can be financed up to 75 months for longer terms and lower payments2. You may be eligible to take up to 90 days to make your first payment!**

Search our Preferred Dealers

You rely on us to deliver a smart car buying experience. That's why we've partnered with local Preferred Dealers to provide you confidence in your car buying journey.

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Manage your loan with ease 

We use the latest technology so you can make your payment on your computer or tablet, or on your mobile device while you’re on the go.

Estimate your monthly payment

Looking for an estimated payment for your new auto loan? This calculator will estimate your monthly payment.

Used Auto Rates

APR as low as 6.75%*

  • Older models can be financed up to 75 months
  • Apply in minutes online, or call or visit a branch
  • Enjoy competitive financing and flexible payment options
  • No down payment required

* APR determined when the application is processed, based on the applicant's credit history.

Explore Used Car Inventory Apply Now

Enjoy low-rate financing and flexible payment options:

New and Used Auto Loan Rates

Auto Loans

Rates effective as of 4/14/2025
TypeTermAnnual Percentage Rate*Notes
2022 and newer36 monthsAs low as 5.50%Qualified buyers: Take 90 days to make your first payment.
2022 and newer48 monthsAs low as 5.65%Qualified buyers: Take 90 days to make your first payment.
2022 and newer65 monthsAs low as 6.05%Qualified buyers: Take 90 days to make your first payment.
2022 and newer75 monthsAs low as 6.25%Qualified buyers: Take 90 days to make your first payment.
2022 and newer84 monthsAs low as 6.75%Qualified buyers: Take 90 days to make your first payment.
2021 – 1993Up to 60 monthsAs low as 6.75%
2020 – 1992**61 - 75 monthsAs low as 7.75%

*APR determined when the application is processed, based on the applicant's credit history.

For example, you could pay as little as $368 per month for a $20,000 loan on approved credit 6.55% Annual Percentage Rate for 65 months. APR effective 10/02/24; subject to change. Even lower rates are available for 36-month and 48-month terms.

Vehicles with over 100,000 miles will automatically be priced as 2020–1992.

**$15,000 minimum for used vehicles for 61 - 75 months.


Your smart choice for stress-free car buying

Your credit union has partnered with AutoSMART to provide a website that offers you the resources and information you need to make an informed purchase. You can find Preferred Dealers closest to you, search their inventory, get the latest reviews, and more!

  • Search inventory online
  • Build your own car
  • Customize your options
  • Estimate your trade-in value
  • Get pre-approved