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Auto Loans (View Rates)

New Vehicle Loans

  • Financing up to a 72 month term
  • Minimum loan amount of $1,000 - Maximum loan amount of $100,000
    • New vehicles - No money down, 100% financing of the purchase price, plus tax, tags, gap insurance and extended warranty. Rebates can be added back into finance amount to account for negative equity in trade-in vehicle but not for cash-out purposes.
    • Vehicles eligible include: new vehicles with an "A" title, vehicles of the current and one previous year, and transfer financing of vehicles financed within the last 6 months with another institution.
    • APCI FCU will provide vehicle financing inside the 48 contiguous United States (exclusions: Puerto Rico, Hawaii and Alaska).

Used Vehicle Loans (Purchase and transfer financing)

  • Financing up to a 72 month term - term based on age of vehicle (see chart below)
  • Financing on vehicles up to 8 model years old
  • Minimum loan amount of $500 - Maximum loan amount - $100,000
    • Used vehicles - No money down and up to 100% NADA (or Kelley Blue Book) average retail value including but not exceeding average retail value: tax, tags, gap insurance and extended warranty.
    • Coded title vehicles (i.e., R - Reconstructed, S - Salvage, W - Flood) are not eligible for financing.
    • APCI FCU will provide vehicle financing inside the 48 contiguous United States (exclusions: Puerto Rico, Hawaii and Alaska).

This product can be used for cash out or debt consolidation loans and is eligible for the automatic payment discount.

Loan Terms for Used Vehicles

2010 - 2018
up to 48 month terms

2012 - 2018
up to 60 month terms

2014 - 2018
up to 72 month terms

Used Older Model Vehicle Loans

  • 100% of NADA or Kelly Blue Book retail value
  • Financing up to a 48 month term
  • Financing of model year 2009 and older up to a 48 month term
  • Minimum loan amount of $500 - Maximum loan amount of $30,000

Repayment is just as simple. Setting up automatic payment (from your APCI FCU account) for your loan repayment gets you a 1/4% discount on the interest rate.2

1 Loan application pre-approval is pending final review by an APCI Federal Credit Union representative.
2 Applies to closed-end loans only.