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.

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.

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.

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.

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