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Financing That Gets You Moving

Thinking about buying a new or used auto or motorcycle, or paying a high-interest rate on your existing loan?1 Let APCI Federal Credit Union steer you to savings with a Vehicle Loan featuring:

  • Same great fixed rates for purchase and transfer financing2
  • Flexible terms that keep payments affordable - 7 Year Term is now available3
  • Up to 100% financing available
    • New 100% Manufacturer’s Suggested Retail Price (MSRP)
    • Used 100% JD Power average retail value or Kelly Blue Book fair market value
  • Guaranteed Asset Protection (GAP) Plus with Deductible Assistance4 available
  • Automatic payment options to save you time
  • Make loan payments from other financial institutions through Loan ePay
  • Easy loan management online with APCI eBanking or the APCI eBanking Mobile App

Vehicles eligible as new include: 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. Vehicles used for commercial purposes are not eligible for financing. Coded title vehicles (reconstructed, salvage, and flood) are not eligible for financing. Street legal 300cc minimum size motorcycles only.

2 APCI FCU will not finance vehicles outside the 50 United States.

3The payment amount per $1,000 borrowed for a 7-year vehicle loan is $14.61. Rates are subject to change.

4Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

Rates & Terms

Rates effective May 1, 2024, at 7:30 am ET
Rates are subject to change.

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 5.990% 5.99% $30.43
4 years 5.990% 5.99% $23.49
5 years 5.990% 5.99% $19.34
6 years 5.990% 5.99% $16.58
7 years 5.990% 5.99% $14.61
Used Auto**
2016-2025 model years
3 years (2016-2025) 5.990% 5.99% $30.43
4 years (2016-2025) 5.990% 5.99% $23.49
5 years (2018-2025) 5.990% 5.99% $19.34
6 years (2020-2025) 5.990% 5.99% $16.58
7 years (2022-2025) 5.990% 5.99% $14.61
Older Auto**
2004-2015 model years
Up to 4 years 8.490% 8.49% $24.65
New & Used Motorcycles**
2016-2025 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 7.490% 7.49% $17.29
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Loan - Vehicle FAQs

Next Steps

A government-issued photo ID is required from all borrowers, co-borrowers, co-signers, and owners of collateral. Proof of income may be required. We offer vehicle loan protection for what your auto insurance may not cover: Learn about Guaranteed Asset Protection (GAP) Plus with Deductible Assistance1.

Apply Online

  • APCI eBanking users: log in to APCI eBanking > Apply for a Loan > Apply for a Vehicle Loan
  • Non APCI eBanking users: Apply for a Vehicle Loan

 

1Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.


Guaranteed Asset Protection (GAP) Plus with Deductible Assistance

Watch this video to learn more about the vehicle loan protection.