Auto Loans

Apply for an Auto Loan

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.

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Apply Over The Phone Icon Apply: (888)732-8562

New Auto Loans

Rates as low as
4.75% APR1

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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.

Apply Now

Used Auto Loans

Rates as low as
5.25% APR1

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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 less than 10 years old with 150,000 miles or less.

Apply Now

Auto Loan Rates

New Auto
APR1 as low as
Term
APR1 as low as:  %
Term: 36 Months
APR1 as low as:  %
Term: 48 Months
APR1 as low as:  %
Term: 60 Months
APR1 as low as:  %
Term: 72 Months
APR1 as low as:  %
Term: 84 Months
APR1 as low as:  %
Term: 96 Months
Used Auto: 0-5 Years Old
APR1 as low as
Term
APR1 as low as:  %
Term: 36 Months
APR1 as low as:  %
Term: 48 Months
APR1 as low as:  %
Term: 60 Months
APR1 as low as:  %
Term: 72 Months
Used Auto: 6-10 Years Old
APR1 as low as
Term
APR1 as low as:  %
Term: 36 Months
APR1 as low as:  %
Term: 48 Months
APR1 as low as:  %
Term: 60 Months
APR1 as low as:  %
Term: 72 Months
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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.

Apply for an Auto Loan

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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

Get a risk-free quote today

Learn more about insurance coverage options



1 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically.
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.