Auto Loans

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Auto Loans

Your New Wheels Are Waiting

Fast. Easy. Hassle-free. Everything you want in the buying process!

Get pre-approved and shop like a “cash buyer” so you can focus on the actual selling price, rather than keeping track of the interest rate and loan term. You’ll also know exactly how much you can spend.

Before you head to the dealership, shop with TrueCar® for guaranteed savings, and view real-time dealer inventory with AutoSmart.

Still have questions or ready to apply?

Call us at 703-788-4800 or visit a branch.

Auto Loan Features

No Hidden Fees

No Hidden or Early Payoff Fees

Easy payments

Easy Online and Mobile Payments

Affordable Options

Affordable Insurance Options

New Auto Loan

Looking to buy a new car? We’ll give you the confidence to negotiate a great deal, with great rates!

Features

  • Terms up to 84 months
  • Max loan to value up to 130%
  • Less than 7,500 miles 

Rates as low as

4.29% APR1

View All Rates
1APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

New Auto Refinance

Refinancing can be a great option for saving money, even on a new car. Get started now to see how much we can save you.

Features

  • Terms up to 84 months
  • Vehicles current or prior model year
  • Max loan to value up to 130%
  • Less than 7,500 miles 

Rates as low as

4.29% APR1

View All Rates

1APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

Used Auto Loan

We’ll finance that new-to-you vehicle up to 7 model years old! Giving you flexible shopping and negotiating.

Features

  • Terms up to 84 months
  • Vehicles up to 7 model years old
  • Max loan to value up to 130%
  • Less than 100,000 miles 

Rates as low as

5.14% APR1

View All Rates

1APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

Used Auto Refinance

Refinancing can be a great option for saving money, especially if interest rates were higher at the original time of purchase. Get started now to see how much we can save you.

Features

  • Terms up to 84 months
  • Vehicles up to 7 model years old
  • Max loan to value up to 130%
  • Less than 100,000 miles 

Rates as low as

5.14% APR1

View All Rates

1APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

New Motorcycle Loan

Ready to hit the road? We’re here for motorcycles too! We offer flexible terms and great rates, giving you a smooth ride.

Features

  • Terms up to 84 months
  • Motorcycles current or prior model year
  • Max loan to value up to 100%

Rates as low as

3.84% APR1

View All Rates
1APR = Annual Percentage Rate as of 09/23/2020 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

Used Motorcycle Loan

Let us finance that new-to-you motorcycle, getting you out on the road in no time.

Features

  • Terms up to 72 months
  • Motorcycles up to 7 model years old
  • Max loan to value up to 100% NADA Retail Value

Rates as low as

4.84% APR1

View All Rates
1APR = Annual Percentage Rate as of 09/23/2020 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

Approximate Payment Calculation Table

Product As Low As Rate Term Approximate Payment
New & Refinance Auto 4.29% 36 $593.06
New & Refinance Auto 5.64% 84 $288.73
Used & Refinance Auto 5.14% 36 $600.68
Used & Refinance Auto 6.14% 84 $293.52
New Motorcycle 3.84% 36 $589.06
New Motorcycle 4.59% 84 $278.84
Used Motorcycle 4.84% 36 $597.98
Used Motorcycle 5.59% 72 $327.6

Payments based on $20,000 loan amount. Maximum loan amount of $100,000 for Auto Loans and $25,000 for Motorcycle Loans.

Loan Discounts

Save .25% when you insure through Apple Financial Services. Receive a FREE quote for multiple national carriers, saving you time and money.

Save .25% when you set up Direct Deposit of $500 or more into an Apple FCU Checking or Savings.

When you finance less than 90% of the value of the vehicle, you may qualify for a lower rate.

After you have made 12, on-time payments on your Apple loan, you may qualify for a lower rate, based on an improvement of your credit score.

More Helpful Resources

We REALLY Love our Members

We REALLY Love our Members

When you close on a qualifying loan, you'll be entered to win a Catered Private Dinner Party.*

See if You're Pre-Qualified

See if You're Pre-Qualified

No credit impact to check your rates for an Auto Loan, Credit Card or Personal Loan.

First Time Auto Buyer

First Time Auto Buyer

If you have very little to no credit, no worries.

Auto Learning Center

Auto Learning Center

Insurance, car shopping resources and more.

GAP Plus

GAP Plus

Guaranteed Asset Protection (GAP) is a great way to protect your finances

Mechanical Repair Coverage

Mechanical Repair Coverage

The miles can add up, but the repair costs don't have to.

Loanshield Payment Protection

Loanshield Payment Protection

Peace-of-mind for pennies a day

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