Now is a great time to get behind the wheel of a new or used vehicle, and enjoy a little extra breathing room in your budget while you do it!
From April 1 to May 31, 2026, take advantage of up to 90 days* with no car payments at the start of your loan, with rates as low as 4.74% Annual Percentage Rating (APR) for 36 months. (Interest will still accrue.)**
That’s about 3 months without a payment, giving you some budgeting flexibility.
Lock in a competitive rate and enjoy the freedom of no payments for 90 days.
*APR = Annual Percentage Rate. Rates are subject to change based on market conditions. Actual rate is based on factors, including applicant's credit history, term, and Loan-to-Value (LTV). All loans are subject to credit approval. Affinity Plus Federal Credit Union finances up to 125% of MSRP (new vehicles) or the J.D. Power Retail Value (used vehicles). The maximum interest rate for this loan type is 18% APR. New Auto must be model years 2025 or newer. Used Auto must be model years 2020 to 2025. For model years over 2019, please contact us for more information. The rate above is based on a final LTV (Loan-to-Value) of less than 70%. The rate will increase for loans with higher LTVs. Not all applicants will qualify for the lowest rate. A loan for 36 months at 4.74% APR will result in an approximate monthly payment of $29.85 per $1,000 borrowed. Other rates and terms available. Subject to credit review. Some restrictions may apply. New or existing Affinity Plus membership is required.
** Interest will continue to accrue through the 90 day no payment period.
