Auto Loans

Whether you are looking to reduce your payment or lower your rate with a no-fee² auto loan refinance from another lender or purchase a "new-to-you" vehicle, we have rates and terms to fit every budget.

With rates as low as 4.54% APR¹, you could be on the road to a low-rate auto loan payment.

Need Help Building Credit?
The APGFCU Credit Builder Program may be right for you. We’ll work with you to put you in the right loan and get you back on track. Plus, if you pay as agreed for one year, we’ll even lower your interest rate – automatically.

Learn More About Credit Builder

Insurance Verification
Requirements and Questions

Auto Loan Calculator

View Auto Loan Rates

New Car, Van, and Truck Loans

Loan Highlights

No payments for 90 days to qualified borrowers*
Competitive first-time buyer and credit builder programs
Low rates for purchases and refinances
No refinancing fees²
Fixed-rate, fixed payment amounts over the loan term
No down payment or early payoff penalties

Current Interest Rate

APR¹ as low as

4.54%

Fixed rate with auto pay; ¹See all loan rates, terms, and disclosures.

Apply for an Auto Loan

View Auto Loan Rates

Used Car, Van, and Truck Loans

Loan Highlights

Great rates for purchases^† or refinances
Fixed-rate, fixed payment amounts over the loan term

Current Interest Rate

APR¹ as low as

4.94%

Fixed rate with auto pay; ¹See all loan rates, terms, and disclosures.
^†Stated rate available on purchases from a franchise dealer³. For private party and independent dealers, please visit our personal loans page.

Apply for an Auto Loan

View Auto Loan Rates

^*First payment may be deferred for 90 days. Interest will accrue from the date of loan disbursal and is due once payments begin. Deferred payment is not available for refinances of existing APGFCU auto loans. To take advantage of the deferred payments when refinancing from another lender, a minimum of 4 payments must have been made. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment.

¹APR is Annual Percentage Rate. Rates stated available on approved credit with automated payments from an APGFCU account only and may be different as determined by the loan term, model year and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Rate is subject to change at any time. Click here for more information.

²APGFCU does not charge a refinance fee on auto loans.

³A franchise dealer is a dealership that sells new and used vehicles under a franchise agreement with a licensed manufacturer or distributor.

Choose the Best Financing

Auto Financing Options

Spending thousands of dollars on a vehicle is stressful enough without the added pressure of weighing dealer rebates and various financing options.

Comparing monthly estimates between your credit union and dealer will determine your best option. To help, we’ve broken down two key financing options to show the benefits and drawbacks of each.

Compare APGFCU and Dealer Financing Options

View Our Guide to Auto Financing

Ready, Set, Shop!

Dealer Partnerships

We’ve partnered with over 90 dealerships across Maryland and Delaware to maximize your chances of receiving optimal financing on new and pre-owned vehicles, motorcycles, and RVs. To take advantage of credit union pricing, simply:

Choose your vehicle’s make and model
Visit a participating dealership as an APGFCU member
Negotiate the price and take advantage of any available rebates or discounts
Apply for a low-rate credit union auto loan in the dealership — insist on using APGFCU

If approved, the dealership will complete the paperwork and send it to us for funding, while you drive off that day in your new vehicle.

View Dealer Partnerships

Auto Loan Extras

Auto Insurance

APGFCU members may save on auto and home insurance through Travelers.

Request a quote and find out how you can get the right coverage at a better price with the Travelers Auto Insurance for APGFCU members. Call (866) 907-8746 for a quote over the phone.