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Auto Loan

Auto Loan
New and Used Auto Loans

Drive it home with fast, easy pre-approvals

Apply for a car loan that fits your budget


Rates as low as*

5.99% APR

Get discounts* by using a Civic deposit account for payment

Penalty Free

Choose early pay-off with applause, not fees

Drive That ‘New To You’ Car Home

Buying a new or used car with all cash? Neither are we. Paying all cash for a car is simply not an option for most of us. We need some type of auto finance or car lending option.

To help, our low rates and flexible options create affordable financing terms for new or used vehicles. Our team will help you drive a ‘new to you’ car home.

Auto Loan Statement

Make your loan work for you

  • Vehicle rates as low as 5.99% APR
  • New vehicle finance up to 96 months (8 years)and used vehicle finance up to 84 months (7 years)^
  • New vehicle maximum mileage is 10,000 and used vehicle maximum mileage is 120,000^
  • Collision and comprehensive insurance are required for the duration of the loan
Auto loan terms

Get flexible options

  • Quick and easy pre-approvals
  • Get a new loan or refinance an existing loan
  • No loan pre-payment penalties
Auto Loan Features

Afford and protect your vehicle

  • Get a car loan that fits your budget
  • Receive a discount with a Civic Deposit Account
  • Optional GAP Plus insurance#
Auto Loan Benefits

*The Auto Loan Calculator is provided for informational purposes only. Taxes and charges are not included in your estimated amount. Final finance amount may be different.

Test drive the savings!

Use the Auto Loan Calculator to get an idea of how the purchase of a new car or the refinance of your current auto loan could impact your budget.

The Auto Loan Calculator is designed to help you answer two very important questions: what your monthly payment could be and how much you can afford.


Cost of Car

Enter your estimated purchase price or loan refinance amount 


Credit Score

Select your estimated credit quality

Penalty Free

Loan Term

Enter your desired number of monthly payments 



Loan Type Term APR Vehicle Age Mileage
New Auto Up to 72 months As low as 5.99% Up to 1 year Up to 10,000 miles
New Auto 73-96 months As low as 6.24% Up to 1 year Up to 10,000 miles
Used Auto Up to 72 months As low as 5.99% Up to 14 years Up to 120,000 miles
Used Auto 73-84 months As low as 6.24% Up to 10 years Up to 120,000 miles

Effective Date: 06/07/2023

Saving for a new or used car? The Select Savings Account can help you reach this goal, and it gets you a discount on a new or used car loan.

Select Savings

It's a saving engine.

  • High dividend yields
  • Goal tracking
  • Establishes Civic membership
learn more
You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:


* APR = Annual Percentage Rate. Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. Collision and comprehensive insurance are required for the duration of the loan. As low as rate indicates 0.25% APR discount for using automatic debit from a Civic deposit account, and applies to terms of 73 months or less. For terms above 73 months, the minimum rate is 6.24% APR. Payment example: For a $45,000 loan at 6.24% APR, 84 monthly payments of $663.

^ A new vehicle is defined as an upcoming, current or prior year model less than 1 year old with 10,000 miles or less at loan origination; vehicle value based on MSRP. Civic will finance 100% of the NADA value, plus an additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Minimum loan amount is $50,000 for term of 96 months. Maximum loan amount is $100,000. Collision and comprehensive insurance are required for the duration of the loan. Payment example: For a $55,000 loan at 6.24% APR, 96 monthly payments of $729.

# Guaranteed Asset Protection Plus (GAP Plus) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

† Maximum refinance term for vehicles older than 10 years is 60 months.