Skip to content

Auto Loans

Fully Loaded Auto Loans with 2.49% APR* on new, used or refinanced vehicles.

We have low fixed rates on a wide variety of new and used vehicles. Our auto loan experts will work with you to find a payment plan you can easily afford. We’ll even help you get pre-approved — so you can have extra bargaining power at the dealership. Not sure whether to buy or lease? Check out our Buy vs. Lease Calculator



  • Competitive Rates
  • Guaranteed asset protection (GAP)
  • Payment protection
  • Vehicle service contracts to protect your investment
  • Pre-approval available for extra bargaining power at the dealership through our Blank Check
  • Approval Program
  • Local decision-making and processing
  • Thinking of a Lease? Try Better than a Lease loan.
  • We’ll get you the CarFax®!

Blank Check Approval means more negotiating power for you. Use a pre-approved blank check to purchase your vehicle at a dealership. The process is simple! Just apply for your auto loan over the phone or online and we’ll help you get pre-approved. You will then receive your blank check, issued for your pre-approved limit. Put the check in your pocket and negotiate your best deal knowing you have the check to complete the sale.

Benefits Include:

  • Buying Power: Freedom to write the dealership a check at point of sale
  • Quick & Easy Financing: Apply and get approved from the comfort of your home
  • Convenience: No need to wait! Receive the check and purchase the vehicle immediately

*In order to qualify for 2.49% APR (Annual Percentage Rate), borrower must have or open a membership with Atlantic FCU, have a minimum credit score of 730, the vehicle must be 2016 model year or newer, and the NADA value of the vehicle must be greater than or equal to the loan amount. Maximum term allowed is 24 months. As low as rate includes direct deposit discount of .25%. Loan is subject to approval. $10,000 loan for 24 months at 2.49% APR equals a payment of $428.00. Effective 8/1/2019 and subject to change without notice.