A happy couple enjoying their road trip in their new car, all thanks to Civic's auto loan and GAP coverage.

New, used or re-fi: Drive payment-free for 90 days

Lots of things can happen in 90 days. A Civic car payment doesn't have to be one of them.

Affordable

Drive for 90 days with no car payments¹

Streamlined

Application process is quick and easy

Penalty-free

Choose early payoff with applause, not fees

A loan that offers you 90 days, payment-free

What will you do in the next 90 days? Family events, celebrations, spontaneous getaways … the options are endless.

But a Civic car payment doesn’t have to be on that list.

That's because our auto loans come with a 90-days, no-payments option,¹along with low rates and generous terms. Whether you need a New Auto Loan, a Used Auto Loan, or an Auto Refinance Loan,² our team can help you finance your new ride.

Apply today to get started on your 90-day, payment-free journey.

A mother picking up her two kids in her new car, made possible by Civic's auto loan.

New Auto Loan

Get our best auto loan rates to make your new car or truck loan payments affordable.

Vehicle rates as low as 4.99% APR¹
Finance dealer purchases up to 96 months (8 years)
Quick and easy pre-approvals
Apply for a new auto loan or refinance an existing one

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Used Auto Loan

Make your next used vehicle loan as affordable as possible with low rates, flexible payment options, and up to 7 years to pay off the loan.

Flexible used vehicle financing up to 84 months (7 years)
Used auto loan rates as low as 5.25% APR¹
Easy loan application, fast approvals
No pre-payment penalties

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Family happily on vacation after refinancing their auto loan with Civic Credit Union.

Auto Refinance Loan

These low auto refinance rates could save you hundreds in interest, and lower your car or truck payments.

Auto refinance rates as low as 5.25% APR¹
Quick pre-approvals for auto refinance
No pre-payment penalties
Up to 84 months, depending on vehicle age

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Woman feeling confident in next steps after a car cash because she has Civic Gap+ auto insurance.

GAP+ Insurance

It’s the best way to protect yourself from the unexpected.

After collision insurance pays out, you may still owe money on your vehicle. When you have GAP+ Insurance, you could pay nothing
This auto insurance option gives you an additional $1,000 toward the principal cost of your replacement vehicle (that’s the plus in GAP+)
Build this $675 optional car insurance coverage into your car loan payments or pay out of pocket

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New and used auto rates

-6	Account type	APR¹	Term	Vehicle Age	Mileage
-5	New Auto 72	As low as 4.99%¹	Up to 72 months	Up to 1 year	Up to 10,000 miles
-4	New Auto 84	As low as 6.25%¹	73-84 months	Up to 1 year	Up to 10,000 miles
-3	New Auto 96	As low as 7.00%¹	85-96 months	Up to 1 year	Up to 10,000 miles
-2	Used Auto 72	As low as 5.25%¹	Up to 72 months	Up to 14 years	Up to 120,000 miles
-1	Used Auto 84	As low as 6.25%¹	73-84 months	Up to 14 years	Up to 120,000 miles

Effective Date: 08/20/2025

Test drive the savings!

Use the Auto Loan Calculator to get an idea of how the purchase of a new or used car, or the refinance of your current auto loan, could impact your budget.

The Auto Loan Calculator is designed to help you answer two very important questions: What your monthly payment could be, and how much car you can afford.

$0/month^*

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^*The Auto Loan Calculator is provided for informational purposes only. Taxes and charges are not included in your estimated amount. Final finance amount may be different.

You know the details matter (and you are in good company)

Here are a few FAQs

Can I refinance my car loan from another lender?

Yes, you can. Civic would pay off your external lender, and you would begin making payments to Civic.

How long does my pre-approval last?

Pre-approvals are good for 30 days.

What do I do if I’m at the dealership?

Apply online at civicfcu.org OR Contact us at 1-844-772-4842. The Experience Center is available 24/7, including holidays. If you’ve been approved, we will work with you and/or your dealer to complete your financing.

What if I’ve been approved by another lender?

Even if you have been approved by another lender, you can still apply and be approved by Civic.

Do I have to make a down payment?

Civic only requires down payments if there are LTV (loan-to-value) issues or, sometimes, if there are credit issues.

What if I need to increase my pre-approval amount?

Contact us at 1-844-772-4842 or email us at lending@civicfcu.org.

How do I apply for a loan with Civic?

First, join Civic to apply for your loan. To join, open a Select Savings Account with a $25 deposit. This share represents your membership — and ownership — in the credit union. Once your membership is approved, apply for your loan in online banking and enjoy the benefits of cooperative banking.

View All FAQs

1 APR = Annual Percentage Rate. Civic membership required. Subject to approval; for dealer purchase only. Offer not available for existing Civic auto loans. Rate and credit limit based on member’s credit history. Interest will accrue from date of loan closing; contact Civic for details. Deferred payment option results in up to 90-day extension of the loan. Offer valid through 2/16/26. Borrower must be at least 18 years old and live in NC, SC, VA, GA, or TN. Vehicles with branded (flooded, salvaged, or reconstructed) titles or motorcycles, boats, RVs, and commercial vehicles are not acceptable collateral. New vehicle defined as less than 1 year old with maximum 10,000 miles at loan origination; vehicle value based on MSRP. For 96-month term, minimum loan is $50,000; maximum loan is $125,000. Used vehicle defined as 14 years or less with maximum 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Civic will finance 100% of NADA or J.D. Power value, plus additional 10% to cover purchase-related expenses such as tax, tags, and extended warranties. Collision and comprehensive insurance, with a minimum $1,000 deductible per policy, is required for duration of loan. Payment examples, excluding insurance, are New: For $35,000 loan at 4.99% APR, 72 monthly payments of $564 and Used: For $25,000 loan at 5.25% APR, 60 monthly payments of $475.

2 APR = Annual Percentage Rate. Civic membership required. Subject to approval. Offer not available for existing Civic auto loans. Rate and credit limit based on member’s credit history. Interest will accrue from date of loan closing; contact Civic for details. Deferred payment option results in up to 90-day extension of the loan. Offer valid through 2/16/26. Borrower must be at least 18 years old and live in NC, SC, VA, GA, or TN. Vehicles with branded (flooded, salvaged, or reconstructed) titles or motorcycles, boats, RVs, and commercial vehicles are not acceptable collateral. New vehicle defined as less than 1 year old with maximum 10,000 miles at loan origination; vehicle value based on MSRP. For 96-month term, minimum loan is $50,000; maximum loan is $125,000. Used vehicle defined as 14 years or less with maximum 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Civic will finance 100% of NADA or J.D. Power value, plus additional 10% to cover purchase-related expenses such as tax, tags, and extended warranties. Maximum term of 84 months for vehicles 10 years and less; maximum 60-month term for vehicles 10 to 14 years. Exceptions for vehicles older than 14 years are at the discretion of Civic. Cash-out available when vehicle is fully owned with no current liens on title. Collision and comprehensive insurance, with a minimum $1,000 deductible per policy, is required for duration of loan. Payment examples, excluding insurance, are New: For $35,000 loan at 4.99% APR, 72 monthly payments of $564 and Used: For $25,000 loan at 5.25% APR, 60 monthly payments of $475.