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Auto/Recreation Loans

Whether you need a loan for a car, motorcycle, boat or other recreational vehicle, AFCU can help you get there — faster!

Loan Type APR* as low as
Auto Refi 2.35% 1
New & Used Auto 3.10% 2
Boat 5.00% 3
RV 5.00% 4
Motorcycle & ATV 5.25% 5

Rates and offers current as of April 3, 2017 and are subject to change.

*Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. Full coverage insurance with a maximum deductible of $1000 is required on all Auto, Boat, RV, Motorcycle, and ATV loans. Borrower is responsible for adding AFCU as lienholder.

1 Auto Refi: Rate shown based on a credit score of 760 or higher, LTV equal to or less than 85, and a term of 48 months for vehicles New-2014 year models. For a loan of $20,000.00 for a term of 48 months with a 2.35% APR (Annual Percentage Rate), the monthly payment would be $437.38. Offer subject to change without notice; credit criteria applies. Offer is only valid for auto loans not currently financed with AFCU.  New (never been titled) automobile values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) automobile values are based on the NADA average retail.  Some restrictions apply. 

2 New/Used Auto Loans: Rate shown based on credit score of 760 or higher, LTV equal to or less than 85, and a term of 48 months for vehicles New-2014 year models. For a loan of $20,000.00 for a term of 48 months with a 3.10% APR (Annual Percentage Rate), the monthly payment would be $444.12. Up to 100% financing is available. New (never been titled) automobile values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) automobile values are based on the NADA average retail. Some restrictions apply. 

Boat Loans: Rate shown based on credit score of 760 or higher, LTV equal to or less than 85, a term of 48 months, and a loan amount of $100-$4,999.  For a loan of $4,999.00 for a term of 48 months with a 5.00% APR (Annual Percentage Rate), the monthly payment would be $115.36. New (never been titled) boat values are based on the dealer invoice. Used (previously titled) boat values are based on the NADA used clean wholesale/trade-in. Some restrictions apply.

RV Loans: Rate shown based on credit score of 760 or higher, LTV equal to or less than 85, a term of 48 months, and a loan amount of $100-$4,999.  For a loan of $4,999.00 for a term of 48 months with a 5.00% APR (Annual Percentage Rate), the monthly payment would be $115.36. New (never been titled) boat values are based on the dealer invoice. Used (previously titled) boat values are based on the NADA used clean wholesale/trade-in. Some restrictions apply.

Motorcycle/ATV Loans: Rate shown based on credit score of 760 or higher, LTV equal to or less than 85, a term of 24 months, and a loan amount of $100-$4,999.  For a loan of $4,999.00 for a term of 48 months with a 5.25% APR (Annual Percentage Rate), the monthly payment would be $220.32. New (never been titled) boat values are based on the MSRP as stated by NADA unless a window sticker or statement from the dealer is provided. Used (previously titled) motorcycle/ATV values are based on the NADA average retail. Some restrictions apply.

Auto Refi

Move your auto loan to AFCU and save money for the things you love! No payments for 90 days when you refinance your vehicle with AFCU!* We make it easy to move your auto loan from another lender to AFCU. Call 800-456-3000 or stop by your local branch to learn more. Or, click here to apply.**

*Offer subject to change without notice; credit criteria applies. Offer is only valid for auto loans not currently financed with AFCU. Interest continues to accrue during the deferred payment and credit score determines rate. **Note: When applying online, the first page will gather your personal information. On the second page you'll select "Auto Refinance" under the "Loan Type" tab.

New and Used Autos

When you finance with the auto-lending experts at AFCU, you're working with a professional who wants to help you and your family get the best deal possible.

  • Pricing reports for new or used vehicles
  • Better rates and repayment plans
  • Unbiased tips to make you a better decision maker

We finance new autos up to 84 months at up to 100% financing including taxes and other applicable fees. AFCU partners with dealers throughout Arkansas to provide you with competitive rates backed by AFCU’s commitment to service. Stop by your local auto dealer today to learn about finance options for your new vehicle. 

 

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First Time Auto Buyers

If you're running into roadblocks and unable to get financing for a new car, then our Jump Start auto loan can help you clear those lending hurdles. This loan was designed for members with no qualifying auto credit, no derogatory credit and no available co-borrower. Other qualifications include:

  • Member for at least three months
  • Have one (1) year job history with proof of income
  • A minimum of 10% cash down (based on sales price) is required
  • Must finance sales tax or provide proof of payment
  • Proof of auto insurance

New Auto

  • Maximum of $15,000 total financed amount, and up to 90% of MSRP including taxes, and all other applicable fees
  • Terms up to 60 months
  • Payments can be made via online, mobile, in person, by mail, or over the phone
  • No prepayment penalties
  • Payment protection available
  • Call for current rates

Used Auto

  • Maximum of $15,000 total financed amount, and up to 90% of NADA Used Retail including taxes, and all other applicable fees
  • Terms up to 60 months, up to four years old
  • Terms up to 48 months, 5-7 years old
  • Used auto may not be more than seven years old
  • Payments can be made by phone, mail, in person or online
  • No prepayment penalties
  • Payment protection available
  • Rates are determined by the age of the vehicle and the loan-to-value
  • Call for current rates

How to Apply

Whether you prefer to call, click or visit in person, we make your application process as simple as possible. Call 800-456-3000 to speak to one of our Auto Loan Specialist or apply online today for a Jump Start Auto Loan.

*Other restrictions may apply

Check out our current insurance offers through AFCU Insurance Solutions

Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

Boat, Motorcycle & RV Loans

Summer is here and it’s time to enjoy the outdoors. What better way to get a jumpstart on your summer fun with a new or refinanced Boat, RV or Motorcycle? With our competitive rates, you could lower your payments on a new or refinanced Boat, RV or Motorcycle, and have more money to spend on summer fun.*

Boat Loans

Make a splash with a boat loan from AFCU. New and Used Boats can be financed up to 100%, including tax, license, and registration. Terms range from 48 months up to 180 months. Maximum age of collateral is seven (7) years old. Amount financed and terms depend on income and credit qualifications. A down payment may be required.

Motorcycle, ATV & UTV Loans

Easy financing for the easy rider. New and Used Motorcycle, ATV & UTV's can be financed up to 100%, including tax, license, and registration. Terms range from 48 months up to 180 months. Maximum age of collateral is seven (7) years old. Amount financed and terms depend on income in credit qualifications. A down payment may be required. Warranties are available with these loans.

RV Loans

Travel the highways and byways. New and Used RV's can be financed up to 100%, including tax, license, and registration. Terms range from 48 months up to 180 months. Maximum age of collateral is seven (7) years old. Amount financed and terms depend on income and credit qualifications. A down payment may be required.

Guaranteed Asset Protection is available for all of these loans.

Check out our current insurance offers through AFCU Insurance Solutions

Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

Apply for a Boat, Motorcycle or RV loan with AFCU today. You can apply online visit your nearest branch, or call 800-456-3000.

*All offers subject to change without notice; credit criteria applies.

Protect Your Investment

AFCU Insurance Solutions

Your auto loan and vehicle represent a significant investment for your family. Protecting that investment should be a priority, so your credit union offers several products through AFCU Insurance Solutions to help you get the coverage you need at a fair price. Check out our current insurance offers.

Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

Debt Protection from AFCU and Partner CUNA Mutual Group

Protect your investment and family against unforeseen life events by adding Debt Protection1 to your loan – an affordable way to ensure your family is covered in the event of a death, disability or period of unemployment.

  • Loss of Life – If you or your co-borrower pass away while covered under this benefit, the loan will be paid off (up to the maximum benefit)
  • Disability – If you or your co-borrower becomes disabled while covered under this benefit, the monthly loan payment will be made (up to the maximum benefit)
  • Involuntary Unemployment – If you or your co-borrower become involuntarily unemployed while covered under this benefit, the monthly loan payment will be made (up to the maximum benefit)
  • Transitional Loss of Life – If you or your co-borrower pass away while covered under this benefit, the monthly loan payment will be made during a specified transitional period (up to the maximum benefit)
  • No maximum age (benefits are reduced to 25% at age 70)

Ask your AFCU representative for details on how to protect your loans and your family.

1All loans except credit builder and HELOCs are eligible for Debt Protection. Certain qualifications and restrictions by loan type and benefit apply. Debt Protection offered through CUNA Mutual Group. Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value

Express Dealer Financing

We make it easy for our members to finance with their credit union, even after hours and on the weekends. We've partnered with auto dealers across the state so you can get the benefits of AFCU financing directly from your local dealership. Just tell your auto dealer that you want to finance with AFCU.*

  • No long waiting period
  • Quick loan decision
  • Drive off the lot with your new vehicle

See a list of AFCU's Preferred Dealers or view all of our Express Dealers.

AFCU Announces Top Auto Dealers

*All loans subject to credit approval.

Auto Buying Center

Find the right car at the right price with this easy-to-use online tool. Search for new or used vehicles, virtually any make and model, near your home or across the entire country.

Visit our Auto Buying Center