A happy couple enjoying their road trip in their new car, all thanks to Civic's auto loan and GAP coverage.

Apply for a car loan that fits your budget

Drive it home with fast, easy pre-approvals

Affordable

Auto loan rates as low as 5.25% APR¹

Streamlined

Applications process is quick and easy

Penalty-free

Choose early payoff with applause, not fees

Make your loan work for you

Buying a new or used 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 and flexible options create affordable financing terms¹for new or used vehicles. Our team will help you drive a "new to you" car home.

A mother picking up her two kids in her new car, made possible by Civic's auto loan.

New Auto Loan

Get our best auto loan rates to make your new car or truck loan payments affordable.

Vehicle rates as low as 5.25% APR¹
Finance dealer purchases up to 96 months (8 years)
Quick and easy pre-approvals
Apply for a new auto loan or refinance an existing one

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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 5.75% APR¹
Easy loan application, fast approvals
No pre-payment penalties

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Family happily on vacation after refinancing their auto loan with Civic Credit Union.

Auto Refinance Loan

These low auto refinance rates could save you hundreds in interest, and lower your car or truck payments.

Auto refinance rates as low as 5.25% APR¹
Quick pre-approvals for auto refinance
No pre-payment penalties
Up to 84 months, depending on vehicle age

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Woman feeling confident in next steps after a car cash because she has Civic Gap+ auto insurance.

GAP+ Insurance

It’s the best way to protect yourself from the unexpected.

After collision insurance pays out, you may still owe money on your vehicle. When you have GAP+ Insurance, you could pay nothing
This auto insurance option gives you an additional $1,000 toward the principal cost of your replacement vehicle (that’s the plus in GAP+)
Build this $675 optional car insurance coverage into your car loan payments or pay out of pocket

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Used and new auto rates

0	Account type	APR¹	Term	Vehicle Age	Mileage
1	New Auto 60	As low as 5.25%¹	Up to 60 months	Up to 1 year	Up to 10,000 miles
2	New Auto 96	As low as 5.50%¹	61-96 months	Up to 1 year	Up to 10,000 miles
3	Used Auto 60	As low as 5.75%¹	Up to 60 months	Up to 14 years	Up to 120,000 miles
4	Used Auto 72	As low as 6.00%¹	61-72 months	Up to 10 years	Up to 120,000 miles
5	Used Auto 84	As low as 6.25%¹	73-84 months	Up to 10 years	Up to 120,000 miles

Test drive the savings!

Use the Auto Loan Calculator to get an idea of how the purchase of a new car or the refinance² 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 car you can afford.

$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.

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.

View All FAQs

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, VA, or TN. 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 less 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. Eligible used vehicles are defined as 14 years or less with maximum of 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Civic will finance 100% of the NADA or J.D. Power 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. New car payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $489. Used car: For $25,000 loan at 5.75% APR, 60 monthly payments of $495.

2 APR = Annual Percentage Rate. Subject to approval. Rates 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. A new vehicle is defined as less than 1 year old with maximum of 10,000 miles at loan origination; vehicle value based on MSRP. Eligible used vehicles are defined as 14 years or less with maximum of 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Minimum loan is $1,000; maximum loan is $100,000. Maximum term for vehicles 10 to 14 years is 60 months; for vehicles 10 years and less, maximum refinance term is 84 months. Exceptions for vehicles older than 14 years are at the discretion of Civic. Collision and comprehensive insurance required for duration of loan. New car payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $489. Used car: For $25,000 loan at 5.75% APR, 60 monthly payments of $495.