Auto Loans

Classic red convertible

New Vehicle Loans

As Low As
2.74%
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®

GAP - Guaranteed Asset Protection


WHAT IS GUARANTEED ASSET PROTECTION?

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower's primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle financed or leased with our financial institution!

How does GAP work?

The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV %. GAP may also cover up to $1,000 of your deductible if there is a "gap" after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. Not available in NY or AK.

GAP Keeps You in the Driver's Seat

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower's primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including, but not limited to, loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV %. GAP may also cover up to $1,000 of your deductible if there is a "gap" after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance

Auto Deductible Reimbursement

As a Thank You for purchasing GAP, you will receive the Auto Advantage Program
Auto Advantage:

Pays up to five hundreds ($500) per Loss (UNLIMITED losses per year) when a Loss is filed and paid by the auto insurance company for a Covered Auto the member owns or leases evidenced by the title or registration, AND insures under an Auto Insurance Policy designating the Member as the Named Insured.

Personal ID Restoration Consulting:

With Personal ID Restoration Consulting, you now have the peace of mind of knowing that a professional is standing ready to help restore your good name if identity theft strikes.

Warranty Vault:

Help protect your purchases. The Warranty Vault makes it quick and convenient! The on-line storage & organizing service that helps You to take full advantage of Your consumer product warranties while You are a member of the Auto Advantage Program.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.

Auto Essentials: Vehicle Protection plan

Don't drive without the coverage you deserve!

WHAT IS AUTO ESSENTIALS?

Auto Essentials is a bundled package of coverage that protects you from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies, manufacturer's warranties or extended warranties.

Essential Coverage:

  • Key or Remote Replacement
  • Replacement of lost, stolen, or destroyed keys or remotes.

  • Tire & Wheel Road Hazard Protection
  • Repair or replacement of punctured, cut, or flat tires and damaged wheels/rims due to road hazards or potholes. Includes cosmetic repair of wheels.

  • Paintless Dent Repair
  • Permanently removes door dings and minor dents without harming a vehicle's factory finish.

  • Windshield Repair
  • Repairs chips and cracks caused by propelled rocks or road hazard debris while driving on public roads, streets, and highways.


24-Hour Roadside Assistance:

  • Towing: A tow truck will be sent to your location.
  • Emergency Roadside Service: Basic mechanical repair performed at your location to get you back on the road.
  • Essential Fluids Delivery: Includes delivery of gasoline, water, or oil.
  • Flat Tire Assistance: Your flat tire will be repaired or changed with your good spare.
  • Emergency Battery Assistance: Repairs include jump-starting your dead battery.
  • Lockout Service: A locksmith will be dispatched to your location if you are accidentally locked out of your vehicle.

All descriptions are for informational purposes only. Please refer to the actual coverage agreement for specific details.

Key/Remote Replacement is not available to consumers who reside in WY and Windshield Repair is not available to consumers who reside in FL.

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