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Used auto loan
Make your used car loan affordable
Used vehicle financing
You appreciate value and affordability, especially when it comes to your next used vehicle. But buying one with all cash is not an option for most of us. You know what is? Finding low used car rates and flexible payment plans with Civic. And you can stretch your used car loan payments for up to 84 months (a total of 7 years).
Terms
- Used auto loan rates as low as 8.25% APR¹
- Finance dealer purchases up to 84 months (7 years)
- Maximum mileage is 120,000 for a used vehicle loan
- Collision and comprehensive insurance required for duration of loan
Features
- Easy application, fast approvals
- Refinance or get a used auto loan
- No pre-payment penalties
- Up to 7 years to pay off the loan
- Optional Gap+ insurance
Used Auto Loan
Rates
| 0 | Term | APR | Vehicle Age | Mileage |
|---|---|---|---|---|
| 1 | Up to 72 months | As low as 7.74% | Up to 14 years | Up to 120,000 miles |
| 2 | 73-84 months | As low as 7.99% | Up to 10 years | Up to 120,000 miles |
Effective Date: 10/26/2023
See your payment amounts for your used auto loan
Plug in a few basic details to calculate options for your used auto loan payment and to see how much vehicle you can afford.
$0/month*
$0
*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.
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Saving for a car?
Whatever your goals, save now to help make them happen. Saving is made simple with these accounts.
Here are a few frequently asked questions:
You know the details matter. [and you are in good company]
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.
Save money with a low rate on your used auto loan
Make your used car loan as affordable as possible (and drive with an even bigger smile).
1 APR = Annual Percentage Rate. 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, VA, or TN. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. A used vehicle is defined as being 14 years or less with a maximum of 120,000 miles; vehicle value is determined using data from J.D. Power. Civic will finance 100% of the J.D. Power value, plus an additional 10% to cover purchase-related expenses such as tax, tags and extended warranties. Collision and comprehensive insurance are required for the duration of the loan. Payment example, excluding insurance: For a $35,000 loan at 8.25% APR, 60 monthly payments of $714.
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