Auto Loans
Get the auto loan or refinancing you need with NCFCU. As your trusted financial partner, we’re here to offer competitive rates and personalized service to help you hit the road with confidence.
New Car Loans
Receive fixed-rate financing for new vehicles with up to 110% financing plus tax, tags, extended warranty, and gap protection with qualifying credit. 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 5.44% APR
Apply Now
Get Rolling with your New Auto Loan
Tips For Buying Your First Car
- Set a Budget and Secure Financing First: Know exactly how much you can afford before you step onto the lot. This helps you keep your finances on track and get the best interest rate for your needs.
- Do Your Homework on the Dealership: Research the dealership’s reputation, read reviews, and check their inventory online. A trusted dealership makes all the difference in your experience buying your first car.
- Understand Every Add-On: Know what GAP insurance, extended warranties, and other add-ons mean before signing anything. Our team at NCFCU can help you navigate the process and explain the jargon.
- Read Before You Sign: Take time to go over the fine print of the sales agreement. Our loan officers will walk you through every step of the loan terms, interest rates, and total costs.
Used Vehicle Loans – Up to 10 Years Old
As Low As 5.79% APR
Receive fixed-rate financing for a used vehicle up to 10 years old with less than 110,000 miles. Borrow up to 110% of J.D. Power retail value plus tax, tags, extended warranty, and gap protection with qualifying credit.
- 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 10 Years Old
As Low As 7.80% APR
Receive fixed-rate financing for a vehicle over 10 years old, or with 110,000 to 150,000 miles. Borrow up to 90% of J.D. Power Clean Retail Value plus tax, tags, warranty, and gap protection. Vehicles over 150,000 miles are not eligible.
- Repay At Any Time
- Up to 60 Months Financing
- Loss of Life, Injury or Illness, and Unemployment Protection Available
- Skip a Loan Payment
2026 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.