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Car Loans Designed
To Keep you moving.

Keys

1.99%

Low Rates
Starting APRs* as low as 1.99%

$1,000

GAP+ Protection 
$1,000 towards the purchase of your next vehicle

Keys

72 month

Flexible Terms
Finance up to 6 years

110%

Financing Options§
To cover taxes, title, tags and fees

Drive it home with quick,
easy PRE-approvals for new or used auto loans

Is it time to upgrade your ride? Or maybe your current car loan could benefit from a refinance. Whatever you’ve got planned, the Civic auto loan is ready to work for you. Check out our unique financing options and insurance add-ons designed to give you peace of mind.

 APPLY NOW 

Already a Civic member?  Start here


Terms and Conditions

 

Get a Payment and Terms that Fit Your Budget 

Whether you want to pay off your loan quickly or need a longer term to fit your budget, Civic is proud to offer new and used auto loans for up to 72 months. If you decide to pay your loan off early, no problem. There are no pre-payment penalties.  

Bonus: Qualified borrowers can also get up to 110% financing§ to cover costs associated with taxes, tags, titles and fees. 

 

lady with dog in car
family shopping for car

 

GAP and GAP+ Coverage

Be prepared for anything. We offer GAP and GAP+ insurance coverage as a bonus, add-on feature. In the event your vehicle is declared a total loss, we’ll make sure any loan deficiency balance is paid in full. If you opted for GAP+, we’ll give you $1,000 towards the purchase of your next vehicle financed with Civic. 

 

Civic Rewards Credit Card Details

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* Subject to approval. Rates and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Savings Account funds.

† Additional fees may apply. Interest on balance transfers and cash advances will begin to accrue on day the transaction occurs.

HERE’S WHAT TO EXPECT

We’ll work with you to make the process simple. Once you’ve completed your application, we’ll work directly with either the dealership for purchases or your lender for refinances to make sure everything is correctly set up. You even have up to 45 days to make your first payment.

App iconSubmit Your Application
App iconGet Pre-approved
Car iconFind Your Car
App iconDrive Your Ride

When you’re ready to drive it home,
we’re HERE to help.

New and used rates as low as 1.99% APR*  
Up to 110% financing§ to cover taxes, title, tags and fees  
Quick and easy pre-approvals
Gap+ coverage option 
No pre-payment penalties 
Flexible terms up to 72 months 

Ready to get started?


Already a Civic member?  Start here

Here's a few frequently asked questions:

Can I refinance my 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?  + -
Approvals are good for 30 days.
What 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 pre-approved, we will work with you and/or your dealer to complete your financing.
How long does an application take? + -
The application process only takes a few minutes, but it may take longer based on individual needs.
What if I’ve been pre-approved by another lender? + -
Even if you've been pre-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.
How do I get started? + -
Click apply, and you’re on your way!

Auto Loan Details

* 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.

§ Loans are subject to approval for up to 110% of vehicle purchase price, to be used for tax, tag and title expenses; require comprehensive and collision insurance coverages; and have no prepayment penalties. Rates are evaluated based on member’s credit history.