Auto Loans
Whether you’re buying your first car or upgrading to the vehicle of your dreams, as an SECU member, you have access to our competitive auto loan interest rates that fit your budget. Plus, our advanced technology allows for quick and convenient closing options whether you fill out an application online, in the branch, or over the phone.
Fixed Interest Rates
Shop and buy
knowing
exactly
what you’ll spend on a monthly basis.
Additional Financing
Get up to
120%4 of
the
vehicle MSRP value to cover other purchase-related expenses.
Flexible Terms
Up to 96-month
terms2,3
available for new vehicles (must be prior, current, or upcoming year model) with
10,000
miles or less.
Fixed Interest Rates
Shop and buy
knowing
exactly what you’ll spend on a monthly basis.
Additional Financing
Get up to
120%4 of the vehicle JD Power retail value to cover other
purchase-related
expenses.
Flexible Terms
Up to 72-month
terms2,3,5
available for vehicles 10 years old or less with 150,000 miles or less.
Auto Loan Rates
Auto Power Program
Our Auto Power program allows you the flexibility to purchase a new or used vehicle at your convenience without the hassle of dealer financing.
Auto Power provides you with a pre-approved check, up to a specific dollar amount, for the purchase of a vehicle from a licensed auto dealer. With an Auto Power check in hand, you can make a deal and drive away without ever visiting an SECU branch.
Auto Insurance
In an effort to protect our members and their investment in a new or used car, we require collision and comprehensive insurance coverage with a maximum deductible of $1,000 through the duration of all auto loans.
Looking for a provider? We offer affordable auto insurance through AAA Carolinas.6
2 Members must be at least 18 years of age or otherwise eligible for lending services to apply. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
3 Vehicle title held as collateral until the loan is repaid. Commercial vehicles or vehicles with branded (flooded, salvaged or reconstructed) title or motorcycles, boats and RVs are not acceptable collateral.
4 Cash out is not available on vehicle purchase transactions.
5 Financing is not allowed on vehicles older than 10 years or those with mileage in excess of 150,000 at time of origination..
6 SECU Insurance Services has partnered with AAA Insurance to provide auto and other personal lines insurance. SECU Insurance representatives are licensed to sell insurance in North Carolina only.