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New, Used & Refinanced Vehicles
Rates as low as 4.29% APR*
We make financing or refinancing simple and affordable with no payments for the first three months1, flexible payment options — and more!
Receive 0.50% APR* off your rate when you apply online.
- Offer available on new, used, and refinancing vehicles
- No payments for the first 3 months1
- Flexible payment options with due dates that fit your needs
- Receive 0.50% APR* off your rate when you apply online
- Terms up to 96 months
- Quick loan decisions
- Emails to remind you when your payments are due
- Annual Skip-a-Pay2 option
- Sign & send documents electronically
- Free CARFAX®
- Affordable protection plans, including GAP Advantage, major mechanical coverage and payment protection.
Rates Effective: January 1, 2025| TYPE & MODEL YEARS | TERMS UP TO | FIXED APR* AS LOW AS | SAMPLE MONTHLY PAYMENT FOR $20,0001 |
|---|---|---|---|
| TYPE & MODEL YEARS New & Used: 2018 and Newer | TERMS UP TO 36 Months | FIXED APR* AS LOW AS 4.29% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $593 |
| TYPE & MODEL YEARS New & Used: 2018 and Newer | TERMS UP TO 60 Months | FIXED APR* AS LOW AS 4.99% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $377 |
| TYPE & MODEL YEARS New & Used: 2018 and Newer | TERMS UP TO 72 Months | FIXED APR* AS LOW AS 5.29% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $325 |
| TYPE & MODEL YEARS New & Used: 2018 and Newer | TERMS UP TO 84 Months | FIXED APR* AS LOW AS 5.69% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $289 |
| TYPE & MODEL YEARS New & Used: 2018 and Newer | TERMS UP TO 96 Months | FIXED APR* AS LOW AS 8.29% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $714 (Minimum loan amount $50,000) |
| TYPE & MODEL YEARS Older Model Cars: 2017 and Older | TERMS UP TO 36 Months | FIXED APR* AS LOW AS 4.99% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $599 |
| TYPE & MODEL YEARS Older Model Cars: 2017 and Older | TERMS UP TO 60 Months | FIXED APR* AS LOW AS 5.39% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $381 |
| TYPE & MODEL YEARS Older Model Cars: 2017 and Older | TERMS UP TO 72 Months | FIXED APR* AS LOW AS 5.89% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $330 |
| TYPE & MODEL YEARS Older Model Cars: 2017 and Older | TERMS UP TO 84 Months | FIXED APR* AS LOW AS 7.19% | SAMPLE MONTHLY PAYMENT FOR $20,0001 $304 |
| TYPE & MODEL YEARS Used: Older Than 2017 | TERMS UP TO | FIXED APR* AS LOW AS | SAMPLE MONTHLY PAYMENT FOR $20,0001 Call us for details on available financing options: 703.526.0200 x2 |
Car Loan Calculator
Why Choose ACFCU For Your Auto Loan?
Rates As Low As 4.29% APR*
on new, used, and refinanced vehicles means you could save more each month.
No Payments for 3 Months1
so you can reliably get where you’re going while you focus on other financial priorities.
We Look Beyond Credit Scores
and listen to your unique story to better understand how we can best serve you.
Becoming a member is easier than you think!
All you need is $5 and proof of eligibility.
You’re eligible to join if:
- You live, work, worship, volunteer, go to school or do consistent business in Arlington, Fairfax County, City of Alexandria, and City of Falls Church, VA.
- You’re an immediate family member of a current member: spouse, parent, grandparent, stepparent, child, grandchild, stepchild sibling/stepsibling
- You live with someone who is eligible including a domestic partner, legal guardian, foster child, or roommate with shared finances
- You have an immediate family member who is eligible to join under #1 above, even if they haven’t joined yet
- You become a member of an ACFCU-designated association that supports our community impact efforts.
*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. 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.
†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.
Loan must close and fund within 60 days to receive the locked rate.