Saving for a used car? The Select Savings Account can help you reach this goal, and it gets you a discount on a used car loan.
Used Auto Loan
USED AUTO LOAN
Used car loans that fit your budget
Choose a loan that puts you in the driver's seat with options and value your spending plan will appreciate.
Affordable
Rates as low as
8.25% APR1
No pre-payment penalties
Choose early pay-off with applause, not fees
Flexible
Payment options up to 84 months1
Value you can afford
Buying a used vehicle can be a solid financial move with some big potential advantages. Depending on the make and model, many used vehicles are less expensive than buying new. And getting a used auto loan can help keep your monthly expenses in check.
When you decide on a used vehicle, you might also find potential savings from the lower cost to insure a used one versus the cost to insure a brand new vehicle. Why wait? Drive that new to you vehicle home. Your spending plan (or budget) will thank you.
To help, our low rates and flexible options create affordable financing for used autos. And now, you can stretch your loan payments for up to 84 months, a total of seven years, to pay off your used auto loan.
- Vehicle rates as low as 8.25% APR1
- Finance dealer purchases up to 84 months (7 years)
- Used vehicle maximum mileage is 120,000
- Collision and comprehensive insurance required for the duration of loan
- Quick and easy pre-approvals
- Get a 'new to you' loan or refinance an existing one
- No pre-payment penalties
- Up to 7 years to pay off the loan
- Optional GAP+ Insurance
$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!
How much can you afford? Use this auto loan calculator to help get started. Plug in the cost of the car, select a term, and pick a down payment amount, and we'll do the rest.
Cost of car
Enter your estimated purchase price or loan refinance amount
Credit score
Select your estimated credit quality
Loan term
Enter your desired number of monthly payments (up to 84 months)
Rates
USED AUTO LOAN
| Term | APR | Vehicle Age | Mileage |
|---|---|---|---|
| Up to 60 months | As low as 8.25% | Up to 14 years | Up to 120,000 miles |
| 61-72 months | As low as 8.50% | Up to 10 years | Up to 120,000 miles |
| 73-84 months | As low as 8.75% | Up to 10 years | Up to 120,000 miles |
Effective Date: 11/14/2024
You know that details matter. [And you are in good company.]
View All FAQs
Here are a few frequently asked questions:
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, VA, or TN. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. A used vehicle is defined as being 14 years or less with a maximum of 120,000 miles; vehicle value is determined using data from J.D. Power. Civic will finance 100% of the J.D. Power value, plus an additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Collision and comprehensive insurance are required for the duration of the loan. Payment example, excluding insurance: For a $35,000 loan at 8.25% APR, 60 monthly payments of $714.