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Drive with Better Rates

New or Used Vehicle Loans

Finance your next vehicle—new or used—with competitive, low rates and flexible repayment terms.

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new car loan

Drive Now. Pay Later! 

Ready to start driving your new vehicle now? Apply and enjoy your first three months payment-free with our 90-day payment deferral option.

New Auto Loan Rates
New Auto Loan Term APR as low as Monthly Payment Per $1,000 Borrowed

36 months

3.89%

$29.57

48 months

4.49%

$22.89

60 months

4.49%

$18.71

72 months*

5.42%

$16.38

84 months**

5.57%

$14.47

New Auto Loan Term

36 months

APR as low as

3.89%

Monthly Payment Per $1,000 Borrowed

$29.57

48 months

APR as low as

4.49%

Monthly Payment Per $1,000 Borrowed

$22.89

60 months

APR as low as

4.49%

Monthly Payment Per $1,000 Borrowed

$18.71

72 months*

APR as low as

5.42%

Monthly Payment Per $1,000 Borrowed

$16.38

84 months**

APR as low as

5.57%

Monthly Payment Per $1,000 Borrowed

$14.47

New Auto Loan Rates - Rates apply exclusively to new vehicles. A new vehicle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles and you as the original owner. Financing is available up to 120% of the MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. Minimum loan amount is $5,000; maximum is $150,000. Minimum loan amount for *72-month terms is $15,000; for **84-month terms, $20,000. Payment examples exclude optional insurance products. Andrews FCU does not finance commercial-use vehicles (e.g., over 1 ton, flatbeds, cab-and-chassis trucks).

Used Auto Loan Rates
Used Auto Loan Term APR as low as Monthly Payment Per $1,000 Borrowed

36 months

4.40%

$29.81

48 months

4.74%

$22.92

60 months

4.74%

$18.76

72 months*

6.00%

$16.66

84 months**

6.60%

$14.98

Used Auto Loan Term

36 months

APR as low as

4.40%

Monthly Payment Per $1,000 Borrowed

$29.81

48 months

APR as low as

4.74%

Monthly Payment Per $1,000 Borrowed

$22.92

60 months

APR as low as

4.74%

Monthly Payment Per $1,000 Borrowed

$18.76

72 months*

APR as low as

6.00%

Monthly Payment Per $1,000 Borrowed

$16.66

84 months**

APR as low as

6.60%

Monthly Payment Per $1,000 Borrowed

$14.98

Used Auto Loan Rates - Financing is available up to 120% of the JD Power/NADA value, inclusive of tags, title, taxes, and fees. Andrews FCU does not finance commercial-use vehicles (e.g., over 1 ton, flatbeds, cab-and-chassis trucks), salvage, bonded, or branded titles, lemon law buybacks, vehicles with true mileage unknown or not actual mileage, odometer rollback or rollover, or vehicles with water, flood, or significant structural damage. Grey market vehicles, delivery vehicles, limousines, taxis, and other for-hire vehicles are also ineligible. Additional restrictions may apply. Andrews FCU reserves the right to decline collateral based on internal evaluation criteria. Minimum loan amount is $5,000; maximum loan amount is $150,000. Payment examples exclude optional insurance products. Andrews Federal does not finance vehicles more than 10 model years old. Minimum loan amount for *72-month terms is $15,000; for **84-month terms, $20,000. Vehicle weight and mileage restrictions apply. 

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Have You Placed a Freeze on Your Credit Report?

If you are ready to apply for a loan, please ensure you request the freeze be lifted by all three bureaus (Experian, Equifax, and TransUnion) before you complete your application.

Your Questions. Answered.

Frequently Asked Questions about Auto Loans

Learn more about the process of financing an auto loan.

Do I need to be a member to apply for a vehicle loan?

You can start your application right away, but you’ll need to become a member to finalize your loan. It’s easy and takes just minutes to join.

Can I get pre-approved before visiting a dealership?

Yes! Pre-approval is highly recommended and can be completed online. It helps you shop with confidence and speeds up the buying process.

Can I finance a used vehicle?

Absolutely. We offer the same great rates and flexible terms for both new and used vehicles.

How does the 90-day payment deferral work?

Qualified borrowers can delay their first payment for up to 90 days after loan disbursement. Interest will continue to accrue during the deferral period.

The Andrews Connection

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We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. 

*APR=Annual Percentage Rate.

90 Day Loan Deferral Option - First payment may be deferred for 90 days for qualified applicants only. Interest will continue to accrue from the date of loan disbursal; and will become due once payments begin. Interest and credit insurance premiums (if applicable) continue to accrue during deferred-payment period. Andrews Federal reserves the right to change or end this special offer at any time. Payment deferral options are subject to approval and may not be available to all borrowers.

You Are Now Leaving Andrews Federal Credit Union

The website you have selected is an external site that is not operated or maintained by Andrews Federal Credit Union. Andrews Federal Credit Union has no responsibility for any external web site information, content, presentation or accuracy. When you leave Andrews Federal Credit Union's website, our privacy policy is no longer in effect. External web sites may have privacy and security policies that differ from those at Andrews Federal Credit Union. 

Andrews Federal Credit Union makes no warranty, expressed or implied, regarding any external site nor is the Credit Union liable for transactions you enter into with any third parties.