Auto Loans
When you are ready to roll, NCFCU has competitive vehicle rates with flexible terms to work with your budget!
Tips For Buying Your First Car
Features and Benefits
Receive fixed-rate financing for new vehicles up to 100% financing plus tax, tags, extended warranty, and gap protection. You can apply for a new auto loan online*. Or feel free to stop by a branch to open your new account in person.
Rates as low as 6.74% APR
Loss of Life, Injury or Illness, and Unemployment Protection Available
Used Vehicle Loans – Up to 7 Years Old
As Low As 6.99% APR
Receive fixed-rate financing for a used vehicle up to 100% National Automobile Dealers Association (NADA) retail value plus tax, tags, extended warranty, and gap insurance.
- Repay At Any Time
- Up To 84 Months Financing
- Loss of Life, Injury or Illness, and Unemployment Protection Available
- Skip A Loan Payment
Used Vehicle Loan – Over 7 Years Old
As Low As 8.30% APR
Receive fixed-rate financing for an older vehicle up to 100% National Automobile Dealers Association (NADA) retail value plus tax, tags, warranty, and gap insurance.
- Repay At Any Time
- Up to 72 Months Financing
- Loss of Life, Injury or Illness, and Unemployment Protection Available
- Skip a Loan Payment
2024 Model Year Fuel Economy Guide
The U.S. Environmental Protection Agency (EPA) and U.S. Department of Energy (DOE) produce the Fuel Economy Guide to help car buyers choose the most fuel-efficient vehicle that meets their needs.
Additional Products
Car Shopping Made Easy
Compare up to 5 vehicles at once. Search by make, model or monthly payment with over 4 million cars in inventory – and save your progress while researching so that you can keep track of the vehicles that interest you!
Guaranteed Asset Protection (GAP)
GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft.
Extended Warranty
Route 66 Warranty’s Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires, which provides added resale value.
Auto Essentials: Vehicle Protection Plan
Auto Essentials is a bundled package of coverage that protects you from normal driving incidents and out-of-pocket expenses that aren’t typically covered by insurance policies, manufacturer’s warranties or extended warranties.