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Vehicle Loans

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 25% to cover other purchase related expenses such as tax, tags, extended warranties, etc. Cash out refinances are limited to 100% of the value of the vehicle based on the NADA retail value.
  • 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, motorcycles, boats and RVs 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


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
% APR1
Using Payroll Deduction or
Funds Transfer Pay


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% APR1
Using Direct Pay

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61-72 Month Terms
% APR1
Using Payroll Deduction or
Funds Transfer Pay


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% APR1
Using Direct Pay

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73 - 96 Month Terms
% APR1
Using Payroll Deduction or Funds Transfer Pay

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% APR1
Using Direct Pay


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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 125%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.
  • 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, motorcycles, boats and RVs 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

Calculate Payment >>
For All Terms Up to 72 Months
% APR1
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.

1APR = Annual Percentage Rate
2Cash out is not available on vehicle purchase transactions




Related Pages
For immediate assistance, contact your local branch.

After hours, you may contact our Member Services at (888) 732-8562.



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