Vehicle Loans

Apply for an Auto Loan

Used Vehicle Loan Rates
% APR1
72 Months

New Vehicle Loan Rates
% APR1
36 Months
% APR1
60 Months
% APR1
72 Months
% APR1
96 Months


SECU Fast Auto Loan

As a member of the Credit Union, you are eligible for the SECU Fast Auto Loan service. Our advanced technology allows for electronic delivery and closing regardless of delivery channel: online, in the branch or over the phone. We are committed to offering the best member service experience in the industry and look forward to working with you.

Learn more about SECU Fast Auto Loan »

Auto Power Program

If you want the flexibility to purchase a new or used vehicle at your convenience without the hassle of dealer financing, our Auto Power program allows you to shop at your leisure and make a deal on the spot. 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 the deal and drive away in your vehicle without ever going to a Credit Union branch!

Used Vehicle Loans

We offer fixed rate financing for used vehicles with terms up to 72 months. 2, 3 We can finance up to 110%4 of the vehicle NADA retail value. Cash-out refinances are limited to 100% of the vehicle NADA retail value. Determine the estimated value of your vehicle in the Auto Center section via Member Access.
  • 72-month financing5 available for vehicles that meet both of the following conditions:
    • Model year between 0 and 5 years
    • Mileage does not exceed 100,000
  • 48-month financing5 available for vehicles that meet both of the following conditions:
    • Model year does not exceed 10 years
    • Mileage does not exceed 150,000

New Vehicle Loans

We offer fixed-rate financing for new vehicles with terms up to 96 months.2, 3 We can 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. Vehicle financed must be prior, current or upcoming year model with 10,000 miles or less.

Auto Insurance

Collision and comprehensive insurance coverage with a maximum $1,000 deductible is required for the duration of the loan.

We offer auto insurance through AAA Carolinas.6 Get a risk-free quote online.

Learn more about insurance coverage options »
1 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate.
2 Members must be 18 years of age or older to be eligible for lending services. 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) titles 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.