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New Auto Loan
Drive it home with a low auto loan interest rate
Affordable
Auto loan rates as low as 5.25% 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!
Terms
Make your new auto loan work for you
- Vehicle rates as low as 5.25% 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 mind2
New Auto Loan
Rates
| 0 | Term | APR1 | Vehicle Age | Mileage |
|---|---|---|---|---|
| 1 | Up to 60 months | As low as 5.25%1 | Up to 1 year | Up to 10,000 miles |
| 2 | 61-72 months | As low as 5.50%1 | Up to 1 year | Up to 10,000 miles |
| 3 | 73-84 months | As low as 6.25%1 | Up to 1 year | Up to 10,000 miles |
| 4 | 85-96 months | As low as 7.00%1 | Up to 1 year | Up to 10,000 miles |
Effective Date: 04/01/2025
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.
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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.
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
1 APR = Annual Percentage Rate. Subject to approval; for dealer purchase only. Rate and credit limit based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA, VA, or TN. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. New vehicle defined as less than 1 year old with maximum 10,000 miles at loan origination; vehicle value based on MSRP. For 96-month term, minimum 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 required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $489.
2 Guaranteed Asset Protection Plus (GAP+) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Eligibility requirements, conditions, and exclusions may apply; you will receive additional information before being required to pay the fee for this product. You may cancel the protection at any time. If you cancel within 90 days, you will receive a full refund of any fee paid. GAP+ is made available and processed through TruStage. It may not cover the entire deficiency between what your loan balance and the amount your insurance will pay. You will be responsible for any remaining loan balance after GAP+ insurance has been paid. A total loss claim is determined by your auto insurance provider. After a total loss payout, members have 120 days from the insurance check issuance to receive $1,000 toward the principal balance on a new auto loan financed by Civic. Loans are subject to credit approval.
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