There's no magic number. At Affinity Plus, we work with a wide range of credit profiles. And while a higher credit score can help you qualify for a lower rate, it's just one part of the application.
Auto Loan Rates
Finance a new or used auto (includes most cars, SUVs, vans and trucks) with competitive rates and flexible terms from Affinity Plus.
Finance a new or used auto (includes most cars, SUVs, vans and trucks) with competitive rates and flexible terms from Affinity Plus. The rates below are based on a final LTV (Loan-to-Value) of less than 70%. The rate will increase for loans with higher LTVs.
| Term |
APR*
as low as
|
Payment Example
per $1,000 borrowed
|
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
NEW AUTO (2025– 2026) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 month | 4.74% | $29.85 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 month | 4.99% | $23.02 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 month | 5.24% | $18.98 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 72 month | 5.49% | $16.33 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 84 month** | 5.99% | $14.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
USED AUTO (2020 – 2025) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 month | 4.74% | $29.85 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 month | 4.99% | $23.02 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 month | 5.49% | $19.10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 72 month | 5.74% | $16.45 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 84 month** | 6.24% | $14.72 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
OLDER USED AUTO (2019 & older) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 36 month | 5.99% | $30.42 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 48 month | 6.24% | $23.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 60 month | 6.49% | $19.56 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
See what rate you might qualify for
Answer a few quick questions and we’ll give you a rate estimate, with no impact to your credit score. If you like the terms, we’ll get you a speedy application.
Get PrequalifiedAlready a member? Log in to digital banking to check if you have pre-approved loan offers waiting for you.
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Search for your next vehicle using the Affinity Plus Car Buying Service powered by TRUECar. Connect with a certified dealer for no-haggle member pricing less than the Manufacturer’s Suggested
Retail Price.
Want to see how rates affect your payment?
Use our calculators to simulate payments, compare terms, see how long it'll take to reach your savings goals, and more.
Auto Loan FAQ
The best rate for you depends on things like your credit profile, loan term, and whether you're buying a new or used car. Getting pre-qualified can help you understand what rate you may qualify for.
Yes. Having less-than-perfect credit doesn't automatically rule you out. We work with members across a range of credit profiles and can help you explore your options.
In most cases, new vehicles often qualify for lower rates than used vehicles. But your rate will also depend on things like your credit profile and loan term.
It could be worth a look if your credit has improved, rates have changed, or you're hoping to lower your monthly payment. Refinancing could help you save money over the life of your loan.
A car payment should fit comfortably into your monthly budget. And don't forget to factor in insurance, fuel, maintenance, and registration costs. Our Auto Affordability Calculator can help you estimate what works for your budget.
Auto Loan Rate Disclosures
* APR = Annual Percentage Rate. Your actual rate may be different depending on your payment and credit history and Vehicle Loan-to-Value. Some restrictions may apply. Rates are subject to change without notice at any time. New or existing Affinity Plus membership is required.
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 NADA Retail Value (used vehicles). The maximum interest rate for this loan type is 18% APR and the minimum loan amount for the 84-month loan is $25,000. New Auto must be model years 2025 or newer. Used Auto must be model years 2020 to 2025. For model years 2019 or older, please contact us for more information. Not all applicants will qualify for the lowest rate. Other rates and terms available. Subject to credit review. Some restrictions may apply. New or existing Affinity Plus membership is required.
Federally Insured by NCUA
Equal Housing Lender