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Apply for a car loan that fits your budget
Drive it home with fast, easy pre-approvals
Affordable
Auto loan rates as low as 5.25% APR1
Streamlined
Application process is quick and easy
Penalty-free
Choose early payoff with applause, not fees
Make your loan work for you
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. Whether you need a New Auto Loan,2 a Used Auto Loan,3 or an Auto Refinance Loan,4 our team will help you drive a "new to you" car home.
Used and new auto rates
| 0 | Account type | APR1 | Term | Vehicle Age | Mileage |
|---|---|---|---|---|---|
| 1 | New Auto 60 | As low as 5.25%1 | Up to 60 months | Up to 1 year | Up to 10,000 miles |
| 2 | New Auto 96 | As low as 5.50%1 | 61-96 months | Up to 1 year | Up to 10,000 miles |
| 3 | Used Auto 60 | As low as 5.75%1 | Up to 60 months | Up to 14 years | Up to 120,000 miles |
| 4 | Used Auto 72 | As low as 6.00%1 | 61-72 months | Up to 10 years | Up to 120,000 miles |
| 5 | Used Auto 84 | As low as 6.25%1 | 73-84 months | Up to 10 years | Up to 120,000 miles |
Test drive the savings!
Use the Auto Loan Calculator to get an idea of how the purchase of a new 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.
1 APR = Annual Percentage Rate. Subject to approval; for dealer purchase only. Rate and credit limit based on member’s credit history.
2 Subject to approval; for dealer purchase only. Rate and credit limit based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA, VA, 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 $100,000. Civic will finance 100% of the NADA value, plus an additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Collision and comprehensive insurance required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $489.
3 Subject to approval; for dealer purchase only. Rate and credit limit based on member’s credit history. Borrower must be at least 18 years old and live in NC, SC, GA, VA, or TN. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. 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 J.D. Power value, plus additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Collision and comprehensive insurance required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.75% APR, 60 monthly payments of $495.
4 Subject to approval. Rate and credit limit based on member’s credit history. Borrower must be at least 18 years old and live in NC, SC, GA, VA, 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. Used vehicle defined as 14 years or less with maximum 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Minimum loan is $1,000; maximum loan is $100,000. 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 required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.75% APR, 60 monthly payments of $495.
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