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Auto Loans Purchase
Auto Loans for Buying a Vehicle
With an APGFCU® auto loan, you can buy new or used with competitive rates — starting as low as 4.79% APR* for new vehicles and 4.94% APR* for used.
Why Choose APGFCU for Your Auto Loan?
No down payment
No payments for up to 90 days1
No early payoff penalty
Ready to Buy? See How It Works.
Shop with AutoSMART
Find the perfect car with resources at your fingertips.
Review Current Rates
Find a rate that works for your budget.
Apply for an Auto Loan
Start an application online or schedule an appointment.
Disburse Your LoanAuto Insurance and Service Benefits
Auto Loans FAQs
- How do I finance a new or used car?
You can finance a new or used vehicle by applying for an auto loan with APG Federal Credit Union.
Our auto loans offer:
- Competitive, fixed-rate loans with predictable payments
- No down payment or early payoff penalties
- No auto loan refinance fees.
Plus, qualified borrowers may also be eligible to delay their first payment for up to 90 days. Apply online to get started and manage your loan easily through online banking.
- How do I use AutoSMART to shop for a new car?
Use AutoSMART to shop for a new car by accessing helpful tools, pricing information, and buying guides that help you research vehicles, compare options, and find a great deal—making your car-buying experience easier and more rewarding.
- Do purchase loans include GAP?
Guaranteed Asset Protection (GAP) insurance is not typically included in purchase loans. It is an optional add-on product you can choose to purchase when applying for an auto loan. It covers the difference between your auto insurance settlement and the remaining loan balance if your car is totaled or stolen.
To learn more about GAP insurance, click here.
- How are rates determined?
At APGFCU, auto loans are based on several factors tied to the individual loan and borrower:
Your auto loan rate is determined by several factors, including:
- Loan term (length of the loan)
- Shorter loan terms may qualify for lower rates.
- Vehicle model year (new vs. used and age of the vehicle)
- Rates may vary depending on whether the vehicle is new or used and the age of the vehicle.
- Purpose of the loan (purchase or refinance)
- Whether the loan is for a vehicle purchase or a refinance can impact the rate.
- Individual creditworthiness
- Credit history and overall credit profile play a significant role in rate determination.
- Use of automated payments from an APGFCU account
- Setting up automatic payments from an APGFCU account may qualify you for a lower rate.
Additional Rate Information:
- Rates are available on approved credit.
- Not all applicants will qualify for the lowest advertised rate.
- Rates are subject to change and are typically honored for 30 days from the date of loan decision.
- Loan term (length of the loan)
- How do I calculate my monthly auto loan payments?
At APGFCU, we offer a free auto loan calculator to help you determine your monthly car loan payment or your car purchase price.
Need Help With an Auto Loan? Get in Touch!
For more information about or help with auto loans:
Auto Loans Disclosures
*APR = Annual Percentage Rate. Rate stated available on approved credit with automated payments from an APGFCU account only and 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. Rate is subject to change at any time. Click here for more information.
1First payment may be deferred for 90 days. Interest will accrue from the date of loan disbursement and is due once payments begin. Deferred payment is not available for refinances of existing APGFCU auto loans. To take advantage of the deferred payments when refinancing from another lender, a minimum of 4 payments must have been made. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment.