Vehicle Loans

Auto Power Program - For New & Used Vehicles

Shopping for your next new or used vehicle is as easy as 1-2-3! SECU offers the Auto Power Program, which allows you to shop for your next vehicle at your leisure and make a deal on the spot. This program provides you with a blank pre-approved check, up to a specific dollar amount for the purchase of your vehicle from a licensed auto dealer. With the Auto Power check in hand, you can make the deal and drive away in your vehicle without ever going to a Credit Union branch!

New Vehicle Loans

The Credit Union offers fixed-rate financing for new vehicles for terms up to 96 months. We finance up to 100% of the Manufacturer’s Suggested Retail Price (MSRP) plus an additional 10% to cover other purchase related expenses such as tax, tags, extended warranties, etc.

Apply for a New Vehicle Loan



  • Must be prior, current or upcoming year model with 10,000 miles or less
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
  • Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Members must be 18 years of age or older to be eligible for lending services
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty

Up to 36 Month Terms

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37-60 Month Terms

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61-72 Month Terms

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73 - 96 Month Terms

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Used Vehicle Loans

The Credit Union offers fixed rate financing for used vehicles. For the purchase of a used vehicle, we will finance up to 110%2 of the value of the vehicle based on the NADA retail value. Cash out refinances are limited to 100% of the value of the vehicle based on the NADA retail value. Determine the value of your vehicle in the The Credit Union offers fixed rate financing for used vehicles. For the purchase of a used vehicle, we will finance up to 110%2 of the value of the vehicle based on the NADA retail value. Cash out refinances are limited to 100% of the value of the vehicle based on the NADA retail value. Determine the value of your vehicle in the Auto Center section via Member Access.

Apply for a Used Vehicle Loan



  • Vehicles may not be older than 10 years or have mileage in excess of 150,000 at time of origination
  • Vehicles that meet either of the following conditions are limited to a maximum term of 48 months:
    • Model years between 6 and 10 years old
    • Mileage that exceeds 100,000 up to maximum of 150,000
  • Terms up to 72 months
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
  • Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Members must be 18 years of age or older to be eligible for lending services
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty

For All Terms Up to 72 Months

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The Credit Union also offers automobile insurance. To obtain a risk-free quote, please contact a Credit Union insurance representative.
1APR = Annual Percentage Rate
2Cash out is not available on vehicle purchase transactions