Auto Loans

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Auto Loan Details

When you choose to finance your vehicle with us, you'll hit the road faster than ever before!

Benefits of an Auto Loan with EFFCU:

Great Rates & Flexible Terms
Refinance & Save: Lower your interest rate and monthly payment by refinancing your current loan.
Insurance Made Easy: Get auto insurance through our trusted partners—all in one place.
Add optional coverage for more peace of mind.
Apply in minutes and get pre-approved fast.

New and Used Vehicle Loan Rates

* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Terms	APR*
48 Months	4.50%
60 Months	5.00%
72 Months	5.50%
78 Months	5.75%
84 Months	6.00%

photo of man working under the hood of a car

Optional Protection Plans

Now that you have a great vehicle, get some peace of mind as well. Breakdowns, accidents and illnesses happen, so it's best to be prepared. Protect your finances and your vehicle with our protection products.

Guaranteed Asset Protection (GAP) covers the difference between your auto insurance settlement and your auto loan balance in the event that your car is stolen or damaged beyond repair.
Mechanical Breakdown Protection provides coverage that serves as an extended warranty.
Credit Life and Credit Disability policies will pay off your vehicle loan in the event something happens to you.
Depreciation Protection Waiver. DPW, or Total Loss Protection, waives some or all of your auto loan balance in the event of the total loss of your vehicle.

CARFAX® Report

Education First provides a CARFAX Vehicle History Report™ to help protect our members from salvage, total loss, structural damage, lemon and flood vehicles. Use the form to request your free CARFAX Report, and a member of our team will follow up with you.

Want to know what a CARFAX Vehicle History Report™ includes? Click the button below for detailed information.

*CARFAX Vehicle History Reports are based on information supplied to CARFAX . CARFAX does not have the complete history of every vehicle. **Subject to the terms and conditions on Carfax.com

Auto Loan FAQs

All rates and terms are subject to change without notice. Loan rates are subject to credit approval and based on individual creditworthiness, amount financed, loan term and vehicle characteristics. Your Annual Percentage Rate (APR) will be based on your specific situation. View our auto loan rates here

No, our rates are the same for both new- or used-car purchases. View our interest rates here

Your monthly payment is determined by several factors, including your loan amount, term, and interest rate. Utilize our Calculate a Vehicle Payment calculator to get you started.