Auto Loans

Classic red convertible

New Vehicle Loans

As Low As
2.24%
APR

Receive fixed-rate financing for new vehicles up to 100% financing plus tax, tags, extended warranty, and gap protection.

Learn more about features and benefits

  Repay at any time

You can repay your loan in full at any time with no penalties.

  Up to 84 Months Financing

Minimum loan amount of $20,000 and a credit score of at least 640 required for loans with a term longer than 72 months with 5% down payment.

  Loss of Life, Injury or Illness, and Unemployment Protection Available

Please see loan department for details.


You can apply for a new auto loan online*. Or feel free to stop by a branch to open your new account.

Apply Now*

Used Vehicle Loans – Up to 7 Years Old

As Low As
3.24%
APR

Receive fixed-rate financing for a used vehicle up to 100% NADA retail value plus tax, tags, extended warranty, and gap insurance.

Learn more about features and benefits

  Repay at any time

You can repay your loan in full at any time with no penalties.

  Up to 84 Months Financing

Minimum loan amount of $20,000 and a credit score of at least 640 required for loans with a term longer than 72 months with 5% down payment.

  Loss of Life, Injury or Illness, and Unemployment Protection Available

Please see loan department for details.


You can apply for a used auto loan online*. Or feel free to stop by a branch to apply.

Apply Now*

Used Vehicle Loans – Over 7 Years Old

As Low As
5.05%
APR

Receive fixed-rate financing for an older vehicle up to 100% NADA retail value plus tax, tags, warranty, and gap insurance.

Learn more about features and benefits

  Repay at any time

You can repay your loan in full at any time with no penalties.

  Up to 72 Months Financing

Terms up to 72 months available.

  Loss of Life, Injury or Illness, and Unemployment Protection Available

Please see loan department for details.


You can apply for a used auto loan online*. Or feel free to stop by a branch to apply.

Apply Now*

Recreational Vehicle – RV & Boat Loans

New As Low As
5.99%
APR
Used As Low As
6.74%
APR

Receive fixed-rate financing for a new or used recreational vehicle for up to 100% financing plus tax, tags, extended warranty and gap protection.

Learn more about features and benefits

  Repay at any time

You can repay your loan in full at any time with no penalties.

  Up to 84 Months Financing

Terms up to 84 months available.

  Loss of Life, Injury or Illness, and Unemployment Protection Available

Please see loan department for details.


You can apply for a new* or used* recreational loan online. Or feel free to stop by a branch to open your new account.

Extended Warranty

NCFCU members are eligible to purchase our extended warranty, even if you don’t have an Auto Loan financed with us. Be ready for the unexpected and ensure you’re covered in the event a breakdown sidelines your vehicle. With Mechanical Breakdown Protection from Route 66 Warranty, you can rest easy knowing you are covered.

Route 66 Warranty’s Plans are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires, which provides added resale value.

Features and benefits:

  • Zero deductible
  • Nationwide coverage
  • 24/7/365 Emergency Roadside Service
  • 30 Day Money-Back Guarantee
  • Transferable
  • Trip Interruption
  • Direct Claims Payments via VISA®/MasterCard®

*You are about to leave the NCFCU website. We do not provide, and are not responsible for, the product, service, or overall website content available at the external website. Please be aware that external websites may have privacy and security policies that differ from those at NCFCU. Please consult their privacy disclosures for more information. NCFCU makes no warranty, expressed or implied, regarding any external site nor is liable for transactions you enter into with any third parties.