Saving for a new or used car? The Select Savings Account can help you reach this goal, and it gets you a discount on a new or used car loan.
New and Used Auto Loans
Drive it Home with Fast, Easy Pre-approvals
Get a car loan that fits your budget
Afford
Rates as low as
1.99% APR*
Save
Get discounts* by using a Civic deposit account for payment
Penalty-free
Choose early pay-off with applause, not fees
Drive that ‘new to you’ car home
Buying a new or used car with all cash? Neither are we. Paying all cash for a car is simply not an option for most of us. We need some type of auto finance or car lending option.
To help, our low rates and flexible options create affordable financing terms for new or used vehicles. Our team will help you drive a ‘new to you’ car home.
Make your loan work for you
- Vehicle rates as low as 1.99% APR*
- Finance up to 72 months (6 years)^
- New vehicle maximum mileage is 7,500 and used vehicle maximum mileage is 100,000^
- Collision and comprehensive insurance are required for the duration of the loan
Get flexible options
- Quick and easy pre-approvals
- Get a new loan or refinance an existing loan
- No loan pre-payment penalties
Afford and protect your vehicle
- Get a car loan that fits your budget
- Receive a discount with a Civic Deposit Account*
- Optional GAP Plus insurance#
You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:
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 Monday-Friday 8 AM to 6 PM. If you’ve been approved, we will work with you and/or your dealer to complete your financing.
How long is the application process?
The application process takes only a few minutes, but it may take longer based on individual needs.
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.
What if I have negative equity?
Civic can finance up to 110% of the NADA value of your vehicle.
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.
Terms & Conditions
* Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. As low as rate indicates .25% APR discount for using auto debit from a Civic deposit account.
^ A new vehicle is defined as upcoming, current or prior year model with less than 7,500 miles; vehicle value is based on MSRP. A used vehicle is defined as having a maximum of 100,000 miles; vehicle value is determined using data from the National Automobile Dealers Association (NADA).
# Guaranteed Asset Protection Plus (GAP Plus) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.