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Used Auto Loan

Used Auto Loan Hero
Auto Loans for Used Cars

Used car loans that fit your budget

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

Affordable
Affordable

Rates as low as1

7.74% APR
Penalty Free
Penalty-free

Choose early pay-off with applause, not fees

Flexible
Flexible

Payment options up to 84 months2

Value You Can Afford

You appreciate the value and affordability of a pre-owned car. But buying used car with all cash 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 for used cars. And now, you can stretch your loan payments for up to 84 months, a total of seven years, to pay off your used car loan.

Used Auto Loan

Drive That ‘New to You’ Car Home

  • Vehicle rates as low as 7.74% APR
  • Finance up to 84 months (7 years)
  • Used vehicle maximum mileage is 120,000
  • Collision and comprehensive insurance are required for the duration of the loan
apply
Woman adding groceries to her car

Begin with Easy

  • Quick and easy pre-approvals
  • Get a new loan or refinance3 an existing one
  • No pre-payment penalties
apply
Man driving his daughter

Choose Value and Affordability

  • Apply for a car loan that fits your budget
  • Have up to 7 years to pay it off
  • Optional GAP+ Insurance4
apply
Man buying used car at dealership
$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 

Invest

Credit Score

Select your estimated credit quality

Penalty Free

Loan Term

Enter your desired number of monthly payments

Rates

USED AUTO LOAN

Term APR Vehicle Age Mileage
Up to 72 months As low as 7.74% Up to 14 years Up to 120,000 miles
73-84 months As low as 7.99% Up to 10 years Up to 120,000 miles

Effective Date: 10/26/2023

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.

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:

View All FAQs

Disclaimer

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

2 Subject to approval. Rates and credit limit are evaluated based on member’s credit history. 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. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. 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.