Vehicle Loans

Looking to buy a new or used vehicle, or refinance an existing vehicle loan? We can help. Whether you're buying from a dealership or a private party, you can apply now for your APGFCU vehicle loan.

Low Rates for Auto Loans

Low Rate Auto Loans



Check Mark LOW competitive rates

Check Mark NO down payment needed

Check Mark NO early payoff penalty

Check Mark SET loan term with fixed monthly payments

Check Mark NO refinance fee

For personalized service:

  • Call 1-800-225-2555, press 4.
  • Come in to any branch

*Rates based on creditworthiness, so your rate may differ. Rate quoted using Automated Payments. Payment example: Loan amount of $20,000 at a rate of 1.99% APR for 63 months would have a monthly payment of $334.60. Rates subject to change.

Dealer Direct

Dealers Direct Logo

We partner with over 70 dealerships in Maryland and Delaware to offer you credit union financing on new and pre-owned vehicles, motorcycles, and RVs right in the dealer showroom. It’s simple for you and the dealer.

Auto Rates

Auto, Truck, Van Rates as low as2
Automated Payments1 Over The Counter (OTC) Payments
New Used New Used
1 - 36 months 1.99% 2.59% 2.24% 2.84%
37 - 51 months 1.99% 2.59% 2.24% 2.84%
52 - 63 months 1.99% 2.59% 2.24% 2.84%
64 - 75 months 2.29% 2.79%3 2.54% 3.04%3
76 - 84 months4 4.40% 5.24%3 4.65% 5.49%3

Effective September 16, 2014 - All rates subject to change without notice
Rates expressed as Annual Percentage Rate (APR)

1 Automated Payments: To qualify for the Automated Payments Interest Rate, you MUST have a direct deposit, payroll deduction, or an automated Clearing House deposit to APGFCU that is used to repay your loan.

2 The rates stated above available on approved credit. Rates may be different as determined by the loan term, model year and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate

3 Used Car terms are listed as follows:

  • Used vehicles 2011 to 2007 maximum term 75 months.
  • Used vehicles 2006 or older limited to 63 month term.

4 For cars $20,000 and above