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.
New Auto Loan
New Auto Loan
Drive it home with fast, easy pre-approvals
Apply for a car loan with Civic FCU that fits your budget
Affordable
Rates as low as1
7.74% APR
Flexible
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 or car lending option.
We help make your loan affordable for your unique situation. 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.
Make your loan work for you
- Vehicle rates as low as 7.74% APR
- Finance dealer purchases 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
Drive affordable and reliable
Getting a car loan with Civic helps keep the buying experience for your new car smooth, easy, and affordable. Make payments from your mobile app! Plus, the optional GAP insurance gives you peace of mind that you are protected. And you reduce the risks of hidden mechanical issues when you buy a new car. Drive off the dealership lot with total confidence in your sweet new ride.
$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.
Test drive the savings!
Use our 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.
Our 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
Loan Terms
Enter your desired number of monthly payments
RATES
NEW AUTO LOAN
| 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
You know that details matter. [And you are in good company.]
View All FAQs
Here are a few frequently asked questions:
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. 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 upcoming, current or prior year mode with less than 10,000 miles; vehicle value based on MSRP. A used vehicle is defined as 14 years or less with a maximum of 120,000 miles; vehicle value determined using J.D. Power data. For new vehicles, minimum loan amount is $50,000 for term of 96 months. Maximum loan amount is $100,000. Maximum refinance term for vehicles older than 10 years is 60 months. Collision and comprehensive insurance are required for the duration of the loan. New or used auto payment example: For a $25,000 loan at 7.99% APR, 84 monthly payments of $390.
3 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. A used vehicle is defined as 14 years or less with a maximum of 120,000 miles; vehicle value determined using J.D. Power data. Maximum refinance term for vehicles older than 10 years is 60 months. Collision and comprehensive insurance are required for the duration of the loan.
4 GAP+ Insurance: 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. GAP+ auto insurance may not cover the entire deficiency between what you owe on your loan and the amount your insurance will pay. You will be responsible for any remaining balance due on the loan after GAP+ insurance has been paid. Refer to your GAP agreement for all limitations and exclusions. GAP+ auto insurance is made available and processed through CUNA Mutual Group. A total loss claim is determined by your auto insurance provider.