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Vehicle Loans

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Equitable Federal Credit Union wants to get you behind the wheel of a new or pre-owned vehicle today. Contact us today to get pre-approved. Once you are pre-approved, take the letter of credit to the dealer and shop for your new ride worry free! We’ve got some of the best vehicle rates in town.

New and Used Vehicle Loans:

In the market for a new or used vehicle? We've got you covered. To ensure you get the best rate possible, our used car rates start as low as our new car rates. With our new and used auto loans you get up to 125% financing of MSRP with terms up to 84 months.  There are no prepayment penalties, which will allow you to reduce your interest by paying early.  Same day approval in most cases.  

Refinanced Vehicle Loans:

Do you currently have your vehicle financed through another bank or credit union? When you refinance your auto loan with Equitable Federal Credit Union you could save on your monthly payment as well as the total interest you pay by the end of the loan. With financing up to 125% of MSRP at your current loan term, you won't pay more for your vehicle, you'll pay less.


Loan Product As Low As1 Maximum Term
New Auto 2018-Newer3 2.99% 84 months
Used Auto (2017-2008)2 4.59% 72 months
1APR = Annual Percentage Rate. Equitable has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time.
2A used vehicle is defined as model years covering the current posted year and the past 7 calendar years.
3A new vehicle is defined as 500 miles or less or a never titled vehicle.

You could save hundreds on car insurance

1 National Automobile Dealers Association (NADA) MSRP value to determine new car value and retail value to determine used car value.
2 Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.
3 Interest accrues immediately. All Credit Union programs, rates, terms, and conditions are subject to change at any time without notice.