Get moving with an Auto Loan from Arbuckle Federal Credit Union!
“Absolutely love this credit union! Seriously, they are the best. So easy when buying a car to already be pre approved and not mess with a dealer financing. We have been beyond impressed and recommend them to everyone we know looking at their finance options.”
New & Used Auto Loans:
Loan pre-approval, online applications, competitive interest rates, and rate matching make the credit union the place to finance your vehicle needs.
Getting pre-approved before you shop for your next vehicle will save you time and money. Auto loans are available for:
New and used cars and trucks
Refinance your auto loan from another institution to save on your monthly car loan payment
Auto Resources
Not sure what your next car is worth?
Before you buy, sell, or trade, take a look at NADA Guides to get a better idea of your vehicle’s value. It’s a great way to make informed decisions and feel confident in your purchase.
Protect Your Investment with a Vehicle Warranty
Cars can be unpredictable — but your budget doesn’t have to be. Ask us about adding an extended warranty to your auto loan for extra peace of mind and protection against unexpected repairs. Learn more about warranties.
Don’t Get Stuck Paying for a Totaled Car
If your vehicle is ever totaled or stolen, GAP (Guaranteed Asset Protection) coverage helps pay the difference between what your insurance covers and what you still owe on your loan. It’s an affordable way to protect yourself from a big financial gap. Learn more about GAP Insurance.
Looking for Car Buying Tips?
From budgeting and financing to negotiating at the dealership, our car buying guide can help you feel more confident every step of the way. Check out our tips!
Auto Rates
| Type of Loan Effective 1/14/2025 |
Term | APR* as low as |
|---|---|---|
| Autos/RV/Trailers/Tractors/ Mowers/ATVs/RTVs/Motorcycles (2024 - 2025) - RVs up to 120 months by approval |
Up to 36 months | 5.50% |
| 37 - 66 months | 5.75% | |
| 67 - 72 months | 6.00% | |
| 73 - 84 months | 6.50% | |
| 84+ months (RV only) | 7.00% | |
| Autos/RV/Trailers/Tractors/ Mowers/ATVs/RTVs/Motorcycles (2021 - 2023) | Up to 36 months | 5.50% |
| 37 - 66 months | 6.50% | |
| 67 - 72 months | 6.75% | |
| Autos/RV/Trailers/Tractors/ Mowers/ATVs/RTVs/Motorcycles (2018 - 2020) |
Up to 36 months | 5.50% |
| 37 - 48 months | 7.00% | |
| 49 - 60 months | 7.25% | |
| Autos/RV/Trailers/Tractors/ Mowers/ATVs/RTVs/Motorcycles (2016 - 2017) |
Up to 24 months | 5.50% |
| 25 - 36 months | 7.50% | |
| 37 - 48 months | 7.75% | |
| Autos/RV/Trailers/Tractors/ Mowers/ATVs/RTVs/Motorcycles By Approval** (2009 to 2015 by approval) |
Up to 24 months | 5.50% |
| 25 - 36 months | 8.00% | |
| 37 - 48 months | 8.25% | |
| Storm Shelters Terms Available Up to 24 Months |
Up to 24 months | 5.50% |
| American Truck Driving Academy Max $6,000 1st Payment 45 Days Terms Available Up to 60 Months |
Up to 60 months | 8.00% |
| PAL I Up to $1,000 |
6 months | 28.00% |
| PAL II Up to $2,000 |
12 months | 28.00% |
*Matching of other financial institutions is allowed on rates and terms, however, matching rates cannot go under 5.25%.
** Older models by approval only
