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 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 5.74% APR
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Get Rolling with your New Auto Loan
Tips For Buying Your First Car
- Set a Budget First- Know exactly how much you can afford before you step onto the lot. This helps you avoid buyers remorse and keeps your finances on track.
- 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: Don’t get caught off guard—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.
- Be an Informed Buyer- Knowledge is power when buying a car. Walk in confident, walk out with the right deal.
Used Vehicle Loans – Up to 7 Years Old
As Low As 5.99% 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 7.55% 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
2025 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.