Auto Loans | NC Car Loan Rates | Loan Refinancing

Auto Loan Rates

Access low rates for new, used, and refinancing options. Choose from terms up to 84 months for manageable payments.

Model Year	PAY OFF SOONER Up to 48 months⁴⁴ APR as low as	MOST POPULAR 49 to 66 months⁴⁴ APR⁴³ as low as	LOWER PAYMENT 67 to 84 months⁴⁴ APR⁴³ as low as
2023 - 2024	5.49 - 6.99%	5.99 - 7.24%	6.34 - 8.29%
2020 - 2022	5.64 - 7.09%	6.14 - 7.34%	6.49 - 8.39%
2017 - 2019	5.84 - 7.14%	6.14 - 7.39%	6.54 - 8.44%
2013 - 2016 (max term 72 mo)	6.04 - 7.34%	6.29 - 7.59%	6.69 - 7.99%
2012 & Older (max term 66 mo)	6.19 - 7.49%	6.49 - 7.74%	Not Available

Flexible Terms

Get terms up to 84 months, with no penalty for paying off your loan early.⁴⁴
45 Days Until First Payment

Get up to 45 days until your first payment is due when you refinance with us.⁴⁵
No Pre-Payment Penalty

Pay off your auto loan early without the worry of extra fees.
Affordable Options

We offer loan options for members who have experienced past credit problems.
New & Used Auto Loans

Apply for preapproval with us and enter the dealership with financing in hand. Learn More about New & Used Auto Loans
Auto Loan Refinancing

Save $100 a month or $200 Cash Back when you refinance!⁴⁶ Learn More about Auto Loan Refinancing

Estimate your monthly payments and see all your options at a glance.

TruStage® Auto & Home Insurance

Quality coverage designed for credit union members.
Discounted Rates

Enjoy the benefits of lower premiums.
24/7 Claims Service

Reliable support whenever you need it.
Free Quote

Easily obtainable online or via phone.