Skip to Content
Close Icon

Vehicle Loan Rates

As of 08/11/2020

Vehicle Loan

Term Up To:

APR Range New and Used

Auto

36 Months
48 Months
60 Months
72 Months
84 Months

2.84% - 12.59%
2.94% - 13.64%
3.19% - 15.39%
3.29% - 6.79%
3.29% - 6.79%

Motorcycle

48 Months
60 Months
72 Months
84 Months

7.40% - 16.90%
7.40% - 16.90%
7.65% - 17.15%
7.90% - 17.40%

Boats & RVs

48 Months
60 Months
84 Months
120 Months

6.74% - 10.49%
6.99% - 8.74%
7.24% - 8.99%
7.49% - 9.24%

Other Secured (Utility Vehicles Not Listed Above)

48-72 Months

7.40% - 16.90%

All vehicle loan rates include a .50% discount for automatic payment transfer from an American First account. A one time $5 lifetime membership fee may apply. Some restrictions apply. A New Auto is a current year model with less than 7,500 miles, financing of up to 125% of MSRP. A Used Auto is a model 7 years old or newer, financing up to 125% Kelley Blue Book. Auto Loan subject to credit approval. Not all members will qualify. Current American First loans are not eligible for refinancing. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Rates & terms not applicable to previously funded American First Credit Union loans. No down payment required.

Subject to change without notice. Rates may vary based on individual's credit history and underwriting factors. Additional discounts available for 80% financing, and automatic payment from an AFCU account. Please contact us for details.

Vehicle Loan Payment Examples:

Auto loan payment examples are based on our best rates for qualified members: 36 monthly payments of $29.28 (at 3.34% APR) to $33.92 (at 13.09% APR) per $1,000 borrowed; 48 monthly payments of $22.37 (at 3.44%) to $27.56 (at 14.14% APR); 60 monthly payments of $18.31 (at 3.69% APR) to $24.42 (at 15.89% APR) per $1,000 borrowed; 72 monthly payments of $15.57 (at 3.79% APR) to $17.25 (at 7.29% APR) per $1,000 borrowed; 84 monthly payments of $13.60 (at 3.79% APR) to $15.28 (at 7.29% APR) per $1,000 borrowed. Other terms are available at different rates and may vary based on individual creditworthiness.

Motorcycle financing available up to 100% MSRP. Payment examples are based on our best rates for qualified members: 48 monthly payments of $24.45 (at 7.90%) to $29.27 (at 17.40% APR) per $1,000 borrowed; 60 monthly payments of $20.30 (at 7.90% APR) to $25.25 (at 17.40% APR) per $1,000 borrowed. 72 monthly payments of $17.67 (at 8.15% APR) to $22.78 (at 17.65% APR) per $1,000 borrowed; 84 monthly payments of $15.85 (at 8.40% APR) to $21.12 (at 17.90% APR) per $1,000 borrowed.

New boat/ RV financing available up to 100% MSRP. Payment examples are based on our best rates for qualified members: 48 monthly payments of $24.13 (at 7.24%) to $25.96 (at 10.99% APR) per $1,000 borrowed; 60 monthly payments of $20.10 (at 7.49% APR) to $20.96 (at 9.24% APR) per $1,000 borrowed. 72 monthly payments of $17.47 (at 7.74% APR) to $18.35 (at 9.49% APR) per $1,000 borrowed; 84 monthly payments of $15.64 (at 7.99% APR) to $16.54 (at 9.74% APR) per $1,000 borrowed.

Other secured financing available up to 90% MSRP. Payment examples are based on our best rates for qualified members: 48 monthly payments of $24.45 (at 7.90%) to $29.27 (at 17.40% APR) per $1,000 borrowed; 60 monthly payments of $20.30 (at 7.90% APR) to $25.25 (at 17.40% APR) per $1,000 borrowed. 72 monthly payments of $17.67 (at 8.15% APR) to $22.78 (at 17.65% APR) per $1,000 borrowed. Other terms are available at different rates and may vary based on individual creditworthiness.

Aa Aa Aa