APGFCU offers auto loans for buying new or used vehicles and for refinancing existing auto loans from other lenders.

Choose refinance if you already have an auto loan and want to lower your rate or payment. Choose purchase if you’re shopping for a vehicle.

Yes. Insurance benefits and GAP coverage are available with both purchase and refinance loans.

Yes. At APGFCU, we offer Skip-A-Pay for auto, truck and van loans. Without penalty, you can choose to skip one payment every 12 months. When using this service, keep in mind the following items:

• Choose to skip one payment every 12 months without penalty
• Eligible loans: auto, RV, personal, home improvement, or education
• Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped
• Certain restrictions apply

At APGFCU, we’ve partnered with over 90 dealerships across Maryland and Delaware to maximize your chances of receiving optimal financing on new and pre-owned vehicles, motorcycles, and RVs. To take advantage of credit union pricing, simply:

1. Choose your vehicle’s make and model
2. Visit a participating dealership as an APGFCU member
3. Negotiate the price and take advantage of any available rebates or discounts
4. Apply for a low-rate credit union auto loan in the dealership — insist on using APGFCU

If approved, the dealership will complete the paperwork and send it to us for funding, while you drive off that day in your new vehicle.

Looking for a better deal on your next vehicle purchase? AutoSMART offers the information and resources you need for a stress-free car-buying experience.

At APGFCU, we offer a free auto loan calculator to help you determine your monthly car loan payment or your car purchase price.

Choosing the right auto financing doesn’t have to be complicated. At APGFCU, we compare credit union financing and dealer financing side by side, so you can make the best choice for your budget. We even break down the benefits, drawbacks, and estimated monthly payments to help you with your decision.

At APGFCU, we require that any collateral securing your loan be financed through the credit union and covered by full comprehensive and collision insurance. Collateral loans may include autos, boats, RVs, jet skis, and ATVs. Providing proof of insurance is a condition of your collateral loan agreement. Read below for answers to some of the most frequently asked insurance questions.

To learn more about insurance verification, click here.