Drive Now, Pay Later with 90-Day Deferred Payments

Make no payments for 90 days^* and be entered to win up to $1,000^**!

Ready to upgrade your ride or escape a high-rate auto loan? Now's the time to shift into gear.

Now through Sept. 30, enjoy no payments for 90 days when you finance a new or used vehicle or refinance your current auto loan from another lender with Apple FCU.^*

Plus, you'll be automatically entered to win up to $1,000 toward your loan payment in our Loan Payment Sweepstakes.^**

Your First Payment's On Us During Our Loan Payment Sweepstakes^**

While new car smell is great, making that new payment isn't the greatest.

Six lucky winners will win up to $1,000—prize amount equal to one monthly Loan payment—during our Loan Payment Sweepstakes!^**

Simply finance a new or used vehicle with Apple or refinance an existing auto loan from another lender to be automatically entered to win. 

Why Take Advantage of 90-Day Deferred Payments^*

Simple and Transparent

No hidden fees. No surprises. Just straightforward terms and conditions.

Ease Into Your Budget

Our deferral period allows you the freedom to allocate your finances elsewhere without the immediate pressure of Auto Loan payments.

No Impact on Credit Score

Opting for the deferred payment plan will not negatively impact your credit score during the deferral period.

Find the Right Car at the Right Price, Right Now

Before you head to the dealership, check out our auto buying programs:

• AutoSmart : Browse real-time inventory, connect with Apple-approved dealers and get pre-approved before stepping foot on a lot.
• TrueCar^®: Take the mystery out of pricing and enjoy guaranteed savings with Apple’s TrueCar buying service.

Get your dream car today and enjoy the luxury of not having a payment for the first 90 days!^*

^*Members who secure a qualified new or used Auto Loan or refinance an Auto Loan AND have their financing disbursed from 07/01/2025-09/30/2025 will enjoy a 90-day payment deferral. Interest will accrue during the 90-day deferment period. When payments begin, the entire monthly payment will be applied to interest until all accrued interest is paid. Your principal balance will not begin to reduce until all accrued interest is paid. To avoid negative amortization, your minimum payments may be higher, or you may be required to make more payments of the same amount to repay all interest charged, as well as the principal balance. Extending the Loan past your original term may increase the total amount of interest you pay.

^**Members who secure a qualified new or used Auto Loan or refinance an Auto Loan AND have their financing disbursed from 07/01/2025-09/30/2025 will be entered into a monthly drawing for a chance to win one (1) Auto Loan payment, up to $1,000. Excludes vehicles financed on-site at an Apple FCU preferred dealer. View Official Rules.