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Auto Loans (View Rates)

  • If you apply online, APCI Federal Credit Union now offers 24/7 email response within 30 minutes or less; know your financing is pre-approved1 anytime you need it
  • Fixed competitive interest rates
  • Up to 100% of manufacturer's suggested retail price (MSRP) financing available

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 MSRP, including tax, tags 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 not finance vehicles outside the 50 United States.

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 $1,000 - 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 and extended warranty.
    • Coded title vehicles (i.e., R - Reconstructed, S - Salvage, W - Flood) are not eligible for financing.
    • APCI FCU will not finance vehicles outside the 50 United States.

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 years 1998 to 2009 up to a 48 month term
  • Minimum loan amount of $1,000 - 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.