Used Auto Loan

Make your used car loan affordable

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Woman bucking up to drive away in her used car financed by Civic Credit Union.

Welcome, LGFCU members! Apply for a Civic loan in just minutes.

LGFCU becomes Civic in June, but you can apply for a loan right now if you’re ready to become a Civic member.

Affordable

Auto loan rates as low as 5.75% APR¹

Flexible

Up to 7 years to pay off the loan

Early payoff

Do it with no penalty fees, just applause

Used vehicle financing

You appreciate value and affordability, especially when it comes to your next used vehicle. But buying a car with all cash is not an option for most of us. You know what is? Finding low used car rates and flexible payment plans with Civic. And you can stretch your used car loan payments for up to 84 months (a total of 7 years).

Terms

Make your used auto loan work for you

Used auto loan rates as low as 5.75% APR¹
Used vehicle financing up to 84 months (7 years)
Maximum mileage of 120,000 for a used vehicle loan
Collision and comprehensive insurance required for duration of loan

Features

Fast and easy used vehicle financing

Easy application, fast approvals
Refinance or apply for a used auto loan
No pre-payment penalties
Up to 7 years to pay off the loan

Can you believe it?

It’s your affordable, flexible used auto loan

apply today

Used Auto Loan

Rates

0	Term	APR¹	Vehicle Age	Mileage
1	Up to 60 months	As low as 5.75%¹	Up to 14 years	Up to 120,000 miles
2	61-72 months	As low as 6.00%¹	Up to 10 years	Up to 120,000 miles
3	73-84 months	As low as 6.25%¹	Up to 10 years	Up to 120,000 miles

Effective Date: 04/01/2025

See estimated payment amounts for your used auto loan

Plug in a few basic details to calculate options for your used auto loan payment and see how much vehicle you can afford.

$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.

Life is digital

So are these everyday financial tools

Totaled car that is fully insured by Civic Gap+ insurance.

Protect yourself if your car gets totaled

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

A Civic member reaching their financial goals with our helpful budgeting tool.

Make informed decisions from your spending data, credit score

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

learn more

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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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.

View All FAQs

Save money with a low rate on your used auto loan

Make your used car loan as affordable as possible (and drive with an even bigger smile).

apply today

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. Eligible used vehicles are defined as 14 years or less with a maximum of 120,000 miles at loan origination; vehicle value is determined using J.D. Power data. 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 required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.75% APR, 60 monthly payments of $495.