Congratulations on receiving a conditional approval for your Civic loan. Please scroll down the page to read the terms associated with your requested loan. You will be able to discuss the terms of your loan when you are contacted by the Civic loan officer.

Auto loans

New Auto Loan
APR = Annual Percentage Rate. Civic membership required. 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, 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 $100,000. Civic will finance 100% of NADA value, plus additional 10% to cover purchase-related expenses such as tax, tags, and extended warranties. Collision and comprehensive insurance, with a $1,000 maximum deductible per policy, is required for duration of loan. Payment example, excluding insurance: For $35,000 loan at 4.99% APR, 72 monthly payments of $564.

Used Auto Loan
APR = Annual Percentage Rate. Civic membership required. 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, VA, GA, 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, with a maximum $1,000 deductible per policy, is required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $475.

Auto Refinance Loan
APR = Annual Percentage Rate. Civic membership required. Subject to approval. Existing Civic auto loans are excluded from this refinance offer. Rate and credit limit based on member’s credit history. 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. 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 $125,000. 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 maximum $1,000 deductible per policy, is required for duration of loan. Payment example, excluding insurance: For $25,000 loan at 5.25% APR, 60 monthly payments of $475.

Personal loans

Personal Line of Credit
APR = Annual Percentage Rate. Civic membership required. Subject to approval. Rate and credit limit based on credit history. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Variable rate loan; may borrow against line of credit for period of 10 years, after which line of credit is closed. Principal and interest payments required until loan is paid in full. Payment example if maximum line of credit is used for full credit period: For $10,000 loan at 12.00% APR, 120 monthly payments of $250.

Credit Builder Loan
Subject to approval. Civic membership required. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Improvement in your credit score is dependent on your specific situation and financial behavior; results are not guaranteed. Failure to make monthly minimum payments on this and other loans by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

Personal Loan
APR = Annual Percentage Rate. Civic membership required. Subject to approval. Rate and credit limit based on credit history. Borrowers must be at least 18 years old and live in NC, SC, VA, GA, or TN. Variable rate loan; maximum APR is 18.00% and maximum term is 60 months. Once approved, loan funds will be deposited into your Civic account for immediate use. Payment example: For $10,000 loan at 9.38% APR, 60 monthly payments of $209.