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Vehicle Loans

Simplify the Car Buying Process

We love when our Members get the cars they really want. And we do everything in our power to make it happen.

Fast approval. Personalized service. And if you like the vehicle you have but your payments to another lender are just too high, you may be able to reduce them by refinancing with American First Credit Union. Great, right?

with new or used vehicles purchased
July 1 - August 31, 2016

Vehicle Loan Rates            - effective as of February 24, 2016

Vehicle Loans
Term up to

Auto (New & Used)

36 months 1.49% - 10.74%
    48 months 1.99% - 12.44%
    60 months 1.99% - 14.19%
    72 months 2.24% - 8.29%
    84 months 2.99% - 9.24%

Motorcycle (New & Used)

48 months 7.40% - 16.90%
    60 months 7.40% - 16.90%
    72 months 7.65% - 17.15%
    84 months 7.90% - 17.40%
Boats & RVs (New) 48 months 6.74% - 10.24%
    60 months 6.99% - 8.49%
    84 months   7.24% - 8.74%
    120 months   7.49% - 8.99% 
Boats & RVs (Used) 48 months  6.99% - 10.49%
    60 months  7.24% - 8.74%
    84 months    7.49% - 8.99% 
    120 months  7.74% - 9.24% 
Other Secured  48-72 months 7.40% - 16.90%

*Limited term financing. Certain credit restrictions apply. Rate shown includes 0.50% discount for automatic payments from an AFCU account. Rate does not apply to refinance of an existing AFCU auto loan. Please contact Credit Union for a complete list of available rates.
**Your purchase of AFCU Debt Protection, Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) are optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your Loan Representative or refer to the Member Agreement for a full explanation of the terms of AFCU Debt Protection.

Autoland: The $100.00 Gasoline Gift Card incentive offer valid on purchases 07/01/16  - 8/31/16. To receive one $100.00 Gasoline Gift Card, you must purchase a new or pre-owned vehicle from the Autoland auto buying service and finance the vehicle with an American First Credit Union auto loan. Limit 1 (one) $100.00 Gasoline Gift Card per qualifying member. Gift card will be delivered within 45 business days of auto loan funding. No substitution of the gift card incentive is permitted except at the sole discretion of Autoland, which reserves the right to substitute the incentive with another gift card of equal value. Promotion subject to change or end without notice. Other restrictions apply. Please speak with your Autoland Representative for complete details.

Enterprise Car Sales: APR=Annual Percentage Rate. Rates as low as 0.49% APR best rate on a 36-month loan includes all available discounts including a 1% buy down rate reduction and .50% discount for automatic payment transfers from an American First Credit Union account. The amount of the finance rate buy down will not affect the sale price of the vehicle. Terms and conditions subject to change without notice. 100% Financing available including Tax, Title and License on vehicle models no older than 7 years. Restrictions apply. Financing for qualified American First Credit Union members. Not all buyers will qualify. Actual rate may vary based on creditworthiness. Offer valid only on Enterprise Car Sales vehicles purchased from 07/01/16 - 08/31/16 with an American First Credit Union auto loan. This offer cannot be combined with any other offer except those listed on this advertisement. Offer valid in all U.S. locations. For additional program details, see an Enterprise Car Sales manager. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. *Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager. **Enterprise 12-month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. ***For a period of seven days after the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 restocking fee (as allowed by law). Restrictions apply. Promotion subject to change or end without notice. Other restrictions apply For details, see an Enterprise Car Sales Manager. The “e” logo, Enterprise and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2016 Enterprise Car Sales.

The Little Extras that Matter for Your Loan

The thing about life is…you never really know what’s going to happen. We care about you, so we have some programs that can help you deal with the unexpected:

Mechanical Breakdown Protection (MBP)

Comparable to extended warranty coverage from an auto dealer, but about half the cost. If available for new and qualified used autos, trucks, and SUVs.

Guaranteed Asset Protection (GAP)

Pays the difference between what you owe on your vehicle and what your insurance will pay if it is totaled or stolen. You can even receive $1,000 toward the cost of a replacement of a vehicle if financed by AFCU. This is available for qualified autos, trucks, SUVs, boats, and RVs.

Debt Protection

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen... life happens.

Help play it safe with AFCU Debt Protection.** AFCU Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or Foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), AFCU Debt Protection will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary Unemployment

Call 800.290.1112 and ask about protecting your loans today.

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