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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 loans up to 72 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.

For terms greater than 72 months up to 120 months, the maximum amount financed is limited to the full documented purchase price (including tax, tags, and extended warranties) not to exceed 100% of the MSRP. There is no minimum loan amount for terms 72 months or less; however, for terms exceeding 72 months the minimum loan amount is $25,000.
  • Must be current, prior or upcoming year model with 10,000 miles or less
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Flood, salvage and reconstructed title vehicles are not acceptable as collateral
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
  • $25,000 minimum loan amount required for terms greater than 72 months
  • Members must be 18 years of age or older to be eligible for lending services


Up to 36 Month Terms
% APR1
Using Payroll Deduction or
Funds Transfer Pay


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2.25% APR1
Using Direct Pay

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37-60 Month Terms
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% APR1
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61-72 Month Terms
% APR1
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% APR 1
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73 - 96 Month Terms
% APR1
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% APR 1
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97 - 120 Month Terms
% APR 1
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% APR 1
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Used Vehicle Loans
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. Determine the value of your vehicle in the Auto Center section via Member Access.
  • Terms up to 72 months
  • The vehicle title will be held as collateral until the loan is repaid
  • May be repaid at any time without penalty
  • Must have collision and comprehensive insurance protection with a maximum deductible of $1,000 for the duration of the loan
  • Flood, salvage and reconstructed title vehicles are not acceptable as collateral
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
  • Members must be 18 years of age or older to be eligible for lending services
  • Loan Term Limitations may apply depending on mileage
For All Terms Up to 72 Months
% APR1
Using Payroll Deduction or Funds Transfer Pay

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For All Terms Up to 72 Months
% APR 1
Using Direct Pay

Calculate Payment >>

The Credit Union also offers automobile insurance. To obtain a risk-free quote, please contact a Credit Union insurance representative.

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.