Auto Loan
New and Used Auto Loans

Drive it home with fast, easy pre-approvals

Get a car loan that fits your budget

car
Afford

Rates as low as

1.99% APR*
Earn
Save

Get discounts* by using a Civic deposit account for payment

check calendar
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 1.99% APR*
  • Finance up to 72 months (6 years)^
  • New vehicle maximum mileage is 7,500 and used vehicle maximum mileage is 100,000^
  • 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
$0/month*
$0

*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. 

Car

Cost of Car

Enter your estimated purchase price or loan refinance amount 

Money

Credit Score

Select your estimated credit quality

Calendar

Loan Term

Enter your desired number of monthly payments 

You can win a 2021 Tesla Model 3

Borrow better and win a Tesla. Our Auto Loans were designed to help you reach your goals. And now you can reach them even faster in a brand-new Tesla. When you apply and are approved for an Auto Loan for at least $5,000, you’ll be entered to win a 2021 Tesla! It’s that simple.

learn more

Tesla car on graphic

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:

Yes, you can. Civic would pay off your external lender, and you would begin making payments to Civic.

Pre-approvals are good for 30 days.

Apply online at civicfcu.org OR Contact us at 1-844-772-4842 Monday-Friday 8 AM to 6 PM. If you’ve been approved, we will work with you and/or your dealer to complete your financing.

The application process takes only a few minutes, but it may take longer based on individual needs.

Even if you have been approved by another lender, you can still apply and be approved by Civic.

Civic can finance up to 110% of the NADA value of your vehicle.

Civic only requires down payments if there are LTV (loan-to-value) issues or, sometimes, if there are credit issues.

Contact us at 1-844-772-4842 or email us at lending@civicfcu.org.

Disclaimer

* 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. As low as rate indicates .25% APR discount for using auto debit from a Civic deposit account.

^ A new vehicle is defined as upcoming, current or prior year model with less than 7,500 miles; vehicle value is based on MSRP. A used vehicle is defined as having a maximum of 100,000 miles; vehicle value is determined using data from the National Automobile Dealers Association (NADA).

# 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.

No purchase necessary to enter to win. Click here to see the official rules and complete details.