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New Auto Loan

new auto loan hero
Auto Loans for New Cars

Drive it home with fast, easy pre-approvals

Apply for a car loan with Civic FCU that fits your budget


Rates as low as1

7.74% APR

Terms up to 96 months2

Penalty Free

Choose early pay-off with applause, not fees

Drive Your New Car Home

Buying a new 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 help make your car more affordable. And you can super stretch your loan payments for up to 96 months. That’s eight years. Because we want you to drive home a car that fits your budget, so you can love your loan as much as your new car.

Family road trip

Make Your Loan Work for You

  • Vehicle rates as low as 7.74% APR
  • Finance up to 96 months (8 years)
  • New vehicle maximum mileage is 10,000
  • Collision and comprehensive insurance are required for the duration of the loan
Buying new car at dealership

Begin with Fast and Easy

  • Quick and easy pre-approvals
  • Get a new loan or refinance3 an existing one
  • No pre-payment penalties
Going on road trip

Afford & Protect Your New Car

  • Get a car loan that fits your budget
  • Take up to 96 months (8 years) to pay it off
  • Optional GAP+ Insurance4
test drive new car

*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 Terms

Enter your desired number of monthly payments



Term APR Vehicle Age Qualifying Mileage
Up to 72 months As low as 7.74% Up to 1 year Up to 10,000 miles
73-96 months As low as 7.99% Up to 1 year Up to 10,000 miles

Effective Date: 10/26/2023

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

Select Savings

It's a saving engine.

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

Here are a few frequently asked questions:

View All FAQs


1 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. Payment example: For a $25,000 loan at 7.99% APR, 84 monthly payments of $390.

2 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 $25,000 loan at 7.99% APR, 84 monthly payments of $390.

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

4 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.