Auto Loans
Unbeatable auto loan rates that make your next purchase (or refinance) a breeze.
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Your key to a summer of savings.
An auto loan with F&A gives you so much more than great rates with flexible terms. From now until August 31, 2026 enjoy these additional perks:
- Enjoy NO payments for 90 days1
- Take your time shopping with a 90-day rate lock option2
- Get a loan decision in under one hour3
- Qualify for an APR* as low as 4.50% for up to 60 months4
Exceptional low rates with flexible financing options and personalized service.
Drive away with industry-leading auto loan rates at F&A Credit Union. Whether you're buying new or used, or looking to refinance a higher-interest car loan, our exceptional auto loan rates and flexible terms help put you in the driver's seat. Our dedicated Member Contact Center team makes financing your vehicle simple and affordable.
At a glance
- Good for new, used, or refinanced vehicles or lease buyouts
- No down payment required
- Up to 125% financing
- Flexible terms up to 84 months
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Loan details
- Must buy and title the vehicle in the state in which the purchaser lives.
- 0.50% rate reduction for payments made by automatic transfer or payroll deduction
- No prepayment penalty
- Option to delay your first payment by 90 days{{auto_deferral}}
- Optional GAP insurance protection and Mechanical Breakdown Protection are available
Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.25%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
New vehicle LTV
125% of MSRP
Used vehicle LTV
125% High Blue Book
Prepayment penalty
None
GAP insurance available
Yes
| Term | Rate{{auto_apr}} |
|---|---|
| Up to 36 mo. | 4.25% |
| Up to 48 mo. | 4.50% |
| Up to 60 mo. | 4.50% |
| Up to 72 mo. | 4.99% |
| Up to 84 mo. | 5.50% |
| Term | Rate |
|---|---|
| Up to 36 mo. | 4.75% |
| Up to 48 mo. | 5.00% |
| Up to 60 mo. | 5.00% |
| Up to 72 mo. | 5.49% |
| Up to 84 mo. | 6.00% |
| Term | Rate |
|---|---|
| Up to 36 mo. | 5.75% |
| Up to 48 mo. | 6.00% |
| Up to 60 mo. | 6.00% |
| Up to 72 mo. | 6.49% |
| Up to 84 mo. | 7.00% |
| Term | Rate |
|---|---|
| Up to 36 mo. | 8.75% |
| Up to 48 mo. | 9.00% |
| Up to 60 mo. | 9.00% |
| Up to 72 mo. | 9.49% |
| Up to 84 mo. | 10.00% |
| Term | Rate |
|---|---|
| Up to 36 mo. | 12.75% |
| Up to 48 mo. | 13.00% |
| Up to 60 mo. | 13.00% |
| Up to 72 mo. | 13.49% |
| Up to 84 mo. | 14.00% |
Calculate Your Payment
Calculate Your Savings
FAQs
Do I need to be preapproved before shopping for a vehicle?
While it’s not required, we recommend you contact F&A before purchasing your vehicle so we can give you the best rate possible, plus all of the necessary information the dealership will need. It may also help you in determining your budget and negotiating a price. Please contact our Member Contact Center for more information.
Can I refinance my existing auto loan from another lender?
Yes, refinancing with an F&A Auto Loan is a great way to secure a lower rate or better terms. Use the calculator on this page to estimate your new monthly payment to see the savings.
Explore More
Boat Loans
Set sail with ease by financing your new or used boat with F&A.
APR{{boat_apr}} range
6.90% to 14.90%
Maximum term (new)
180 months
Maximum loan (new)
$200,000.00
Maximum financing (new)
80% of MSRP, including trailer
Maximum loan (used)
$125,000.00
Maximum term (used)
144 months
Maximum financing (used)
80% of average trade-in from NADA, including trailer
Maximum vehicle age{{rv_boat_max_age}}
12 years
RV Loans
Live out your road trip dreams with a new or used recreational vehicle.
APR{{rv_apr}} range
6.90% to 14.90%
Maximum term
144 mo.
Maximum loan (new)
$200,000.00
Maximum financing (new)
80% of MSRP; 90% for 720+ credit scores
Maximum loan (used)
$125,000.00
Maximum financing (used)
80% of used average from NADA
Maximum vehicle age{{rv_boat_max_age}}
12 years
Premier Rewards Visa
Turn everyday purchases into valuable rewards good for travel, merchandise, and more.
APR{{cc_apr}} for purchases
8.90% to 15.50%
APR for balance transfers
8.90% to 15.50%
APR for cash advances
8.90% to 15.50%
Annual fee
$0.00
Credit line
$5,000.00 to $25,000.00
DISCLOSURES
*Annual Percentage Rate. 1Finance charges will accrue daily at the rate in your loan agreement during the payment deferral period. 2Rate lock option available for up to 90 days. 3Applications must be submitted by 4:00PM on a business day for same-day decision consideration. Loan decision timing may vary based on application completeness and verification requirements. All vehicle loans are subject to approval. 4Discounted rate requires automatic loan payments. The published rate requires automatic loan payments. Rates effective as of May 1, 2026, and are subject to change without notice. Different rates are available with different terms. Valid insurance is required. Additional terms and conditions may apply. Restrictions may apply on some vehicles. Financing example: $25,000 loan with no down payment, 90 days no payment, at 4.50% for 60 months = payment of $470 per month. Offer valid through August 31,2026.