Vehicle Loans

*APR = Annual Percentage Rate.

Rates could be higher depending on credit. Certain conditions or restrictions apply. Loan Rates could be lower with Member Rewards. Rates subject to change without notice.

Call or stop by to talk with a Loan Officer to see what rate you qualify for. Spread the word about these outstanding rates! We look forward to serving you!

Equal Opportunity Lender | Equal Housing Lender

New Vehicle/Motorcycle Loans

The credit union offers fixed-rate financing for New Vehicles up to *100% Financing plus Tax, Tags, Warranty, Gap Insurance, Mechanical Breakdown/Extend Warranty Protection and Debt Protection are available.

New Vehicle Loan Specifications:

  • May be repaid at any time without penalty
  • Up to* 84 months financing, a credit score of at least 640 with 5% down, minimum loan amount is $20,000.00.

 

You can apply online, call any branch or complete our loan application to bring into a branch.

*For Qualified Borrowers

Used Vehicle/Motorcycle Loans – Up to 5 Years Old

The credit union offers fixed-rate financing for Used Vehicles/Cycles up to 100% of NADA* retail value, plus Tax, Tags, Warranty, Gap Insurance, Mechanical Breakdown/Extend Warranty Protection and Debt Protection Insurance are available.

Used Vehicle Loan Specifications:

  • Financing on vehicles up to 5 years old
  • May be repaid at any time without penalty
  • Up to *84 months financing, a credit score of at least 640 with 5% down, minimum loan amount is $20,000.00.

 

You can apply online, call any branch or complete our loan application to bring into a branch.

*For Qualified Borrowers

Used Vehicle Loans – over 5 Years Old

The credit union offers fixed-rate financing for Used Vehicles over 5 years old up to 100% of NADA retail value. Gap Insurance, Mechanical Breakdown/Extend Warranty Protection and Debt Protection Insurance are available.

Used Vehicle Loan Specifications:

  • Must be over 5 years old
  • May be repaid at any time without penalty

You can apply online (see apply for a Used Vehicle Loan above), call any branch or complete our loan application to bring into a branch.

Recreational Vehicle – RV & Boat Loans

The credit union offers fixed rate financing on financing for New  Recreational Vehicles and Boats up to *100% Financing plus Tax and Tags.  Used Recreational Vehicles and Boats up to 100% of NADA * retail value, plus Tax and Tags.

New/Used Recreational Vehicle and Boat Specifications:

  • Financing up to 100% of MSRP (new RV/Boat) or 100% of NADA average retail value (used RV/Boat), plus Tax and Tags.
  • Up to 84 months financing
  • May be repaid at any time without penalty

You can apply online, call any branch or complete our loan application to bring into a branch.

*For Qualified Borrowers

Vehicle Loan Refinancing

Do you have a vehicle loan at another financial institution? You may be able to save by refinancing at the credit union. Use the convenient calculator below to estimate your monthly payment with NCFCU to compare with what you’re currently paying!

The accuracy of this calculator and its applicability to your circumstances is not guaranteed.

Please visit or call your local branch.

Enter Loan Information:
Amount of the loan:
Annual percentage rate of interest:
Repayment period in years:


Payment Information:
Your monthly payment will be:
Your total payment will be:
Your total interest payments: