Auto Loans

Your new wheels are waiting for you.

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.

View our Rates and New Auto Disclosure, Auto Refinance Disclosure or Used Auto Disclosure.

Apply Now

Enjoy the Benefits of the Apple Car Buying Service


Join thousands of other smart shoppers and take advantage of exclusive discount pricing for new and used autos. Experience Apple’s Car Buying Service, powered by TRUECar®.

find-your-vehicle
Find Your Vehicle

Access FREE Price and Market Reports, compare features, see pictures, read reviews and check your trade-in value.

select-a-dealer
Select a Dealer

Work with our certified, prescreened dealer network to ensure a better car buying experience with a hassle-free deal.

retirement
Save Money

Get a Price Protection Certificate to lock-in your Guaranteed Savings* before visiting a dealer. No cost. No obligation.

Participants see an average guaranteed savings of $3,383 off MSRP** when buying a new car from a TrueCar Certified Dealer. Now that’s a good deal!

You may also secure financing directly by visiting one of our Partner Dealerships. On-site financing means your dealer will complete all your loan paperwork on-the-spot, and you’ll receive the same great rates, discounts and features as you would in an Apple branch.

Loan Perks

up-to-15-financing

Up to 115% financing


flexible-terms-up-to-84-months

Flexible terms up to 84 months


no-hidden-costs

No hidden costs or early payoff penalties


Loan Discounts

Call us at 703-788-4800 or visit a Branch for more information about these value-added discounts.

Direct Deposit Discount

  • Enjoy a 0.25% Direct Deposit rate discount when you set up a monthly direct deposit of $1,000 or more into an Apple FCU Savings or Checking account. 

Down Payment LTV Discount

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

Credit Score Improvement Review

  • 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.

View our Rates and New Auto Disclosure, Auto Refinance Disclosure or Used Auto Disclosure.

Apply Now

More Loan Options

First-time Buyer


Ready to buy your first vehicle, but have very little to no credit? Whether you buy new or used, our First-Time Auto Buyer Loan offers and an easy application process, manageable terms and is a great way to build credit.

Rates | Disclosure

Apply Now

Motorcycle Loan

 

  • Up to 100% financing available
  • Flexible terms up to 84 months (New) and 72 months (Used)
  • No hidden costs or early payoff penalties

Rates | Disclosure

Apply Now

Refinance

 

  • Up to 115% financing available
  • Flexible terms up to 84 months
  • Used vehicles up to 7 model years old are eligible
  • No hidden costs or early payoff penalties

Rates | Disclosure

Apply Now

Get Pre-approved

Shop like a "cash buyer" with a pre-approved auto loan check. Now 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.

View our Rates and New Auto Disclosure, Auto Refinance Disclosure or Used Auto Disclosure.

Apply Now

What information do I need to get a loan or refinance

You’ll need:

  • Government issued photo ID - a driver’s license, state-issued ID or a military ID
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
  • Auto Insurance Declaration Page

To refinance, you’ll also need the following:

  • Current lienholder name and payoff address 
  • 10-day payoff amount 
  • VIN and other vehicle information, including mileage and features.

View our Rates and New Auto Disclosure, Auto Refinance Disclosure or Used Auto Disclosure.

Apply Now

Ask a Question about our Auto Loan

Collateral Protection Insurance

Avoid the added cost of Collateral Protection Insurance by keeping your insurance policy up to date.

The terms of your loan contract require Comprehensive and Collision Insurance coverage for the life of the loan. As the lien holder on your vehicle, we depend on this coverage because it protects the Credit Union from uninsured loss. 

If you have a lapse in coverage, a Collateral Insurance Policy will be applied to your loan and the cost is added to your monthly payments. Although Collateral Protection Insurance protects the Credit Union, it is no substitute for traditional insurance.

More helpful resources

*Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer.   

**Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor its affinity partners brokers, sells or leases motor vehicles.

You May Also Like...

First-time Buyer Auto Loan

Oct 3, 2017, 15:56 PM
If you have little to no credit, that’s okay. We’re here to help first-time buyers secure a loan for the vehicle they want.
Display Title : First-time Buyer Auto Loan
Action Text : Learn More
Action URL :
Action Page : First Time Buyer