New Auto Loan

Drive it home with a low auto loan interest rate

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A couple happily celebrating their new car purchase, financed with Civic new auto loan.

Affordable

Auto loan rates as low as 6.50% APR¹

Flexible

New vehicle loan terms up to 96 months

Early payoff

Do it with no penalty fees, just applause

Get the best auto loan for you

Your vehicle financing can be as unique as you are! A new auto loan can help to spread your payments out over time — up to 8 years. When it’s done right, your vehicle loan can meet your unique needs and help keep your payments affordable. The process is smooth and easy. You can make payments with the Civic app and have optional GAP+ insurance available for your peace of mind.

With Civic, you might love your new auto loan as much as your new car!

A first-time car owner financed by the Civic auto loan, happily driving off the lot.

Terms

Make your new auto loan work for you

Vehicle rates as low as 6.50% APR¹
Finance dealer purchases up to 96 months (8 years)
Maximum mileage for new vehicles is 10,000
Collision and comprehensive insurance are required for the duration of the new car loan

Features

Fast and easy new vehicle financing

Quick and easy pre-approvals
Apply for a new auto loan or refinance an existing one
No pre-payment penalties, just applause
Optional GAP+ insurance for peace of mind

The best auto loan (for you) does exist!

Get the new auto loan you’ll love

apply today

New Auto Loan

Rates

0	Term	APR¹	Vehicle Age	Mileage
1	Up to 60 months	As low as 6.50%¹	Up to 1 year	Up to 10,000 miles
2	61-72 months	As low as 6.75%¹	Up to 1 year	Up to 10,000 miles
3	73-84 months	As low as 7.25%¹	Up to 1 year	Up to 10,000 miles
4	85-96 months	As low as 8.25%¹	Up to 1 year	Up to 10,000 miles

Effective Date: 11/14/2024

How much vehicle financing can you afford?

Know before you go! Test drive how a new auto loan or refinance could impact your budget. Find out how much vehicle you can afford and what your monthly payment could be.

$0/month^*

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^*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.

Life is digital

So are these everyday financial tools

Totaled car that is fully insured by Civic Gap+ insurance.

Protect yourself if your car gets totaled

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

A Civic member reaching their financial goals with our helpful budgeting tool.

Make informed decisions from your spending data, credit score

Used Auto Loan

Make your next used vehicle loan as affordable as possible with low rates, flexible payment options and up to 7 years to pay off the loan.

Flexible used vehicle financing up to 84 months (7 years)
Used auto loan rates as low as 8.25% APR¹
Easy loan application, fast approvals
No pre-payment penalties

learn more

Personal Loan

The Personal Loan gives you fast approval for a lump-sum deposit into your Select Savings or Bonus Checking Account. Break large expenses into affordable payments or consolidate high-interest debt with a lower rate.

Fixed principal and interest payments
Term lengths from 12 to 60 months
No origination or application fees

learn more

You know the details matter (and you are in good company)

Here are a few FAQs

Can I refinance my car loan from another lender?

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

How long does my pre-approval last?

Pre-approvals are good for 30 days.

What do I do if I’m at the dealership?

Apply online at civicfcu.org OR Contact us at 1-844-772-4842. The Experience Center is available 24/7, including holidays. If you’ve been approved, we will work with you and/or your dealer to complete your financing.

What if I’ve been approved by another lender?

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

Do I have to make a down payment?

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

What if I need to increase my pre-approval amount?

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

Where do I send my Civic loan payments?

Whether you mail your loan payments to us directly, or use an external bill paying service, the payment address is:
Civic Credit Union
PO Box 71204
Charlotte, NC 28272

This address is for payments to Civic Personal Loans, Auto Loans, Personal Lines of Credit, and Home Equity Lines of Credit (HELOCs).

Please note: This address is not for Civic credit card or mortgage payments, or for any commercial loans you may have with us.

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Apply now for an affordable, new auto loan or to refinance a vehicle

Your future self will thank you for finding the best car loan rate, built for you

apply today

1 APR = Annual Percentage Rate. Subject to approval; for dealer purchases only. Rates and credit limit 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. A new vehicle is defined as than 1 year old with maximum of 10,000 miles at loan origination; vehicle value based on MSRP. For 96-month term, minimum new auto loan is $50,000; maximum loan is $100,000. Civic will finance 100% of the NADA value, plus an additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Collision and comprehensive insurance are required for duration of loan. Payment example, excluding insurance: