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Used Vehicle Loans

Used Car Loan

The Credit Union offers fixed rate financing for used vehicles. We will finance up to 110% of the value of the vehicle based on the NADA retail value. To determine the value of the vehicle, please use the link for Used Car Values located in the Auto Center in Member Access. The Credit Union also offers automobile insurance and can provide you with a quote. The Credit Union does not accept flood, salvage or reconstructed title vehicles as collateral.


3 Ways to Request a Used Vehicle Loan
  1. Request at your local branch Loan Information Checklist
  2. Request via Member Access
  3. Request with our Contact Center (open 24 hours): (888) 732-8562 or (919) 857-2150

Used Vehicle Loan Specifications

  • % APR1 for all terms using Payroll Deduction/Funds Transfer repayment Calculate Payment
  • % APR1 for all terms using Direct Payment Calculate Payment
  • Terms up to months
  • May be repaid at any time without penalty
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia



1 APR = Annual Percentage Rate

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*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.