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Auto Loan

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Drive Into the Holidays with $250 Christmas Cash!

No Payments for 60 Days + $250 in Holiday Cash

A new ride might be the best thing on your Christmas list this year! From now through December 31, finance your new or used vehicle directly with NC Community Credit Union and enjoy a little extra holiday cheer. Offer only available for vehicle purchases; NOT available on refinances.

Your Holiday Auto Loan Includes:

$250 in Holiday Cash
Enjoy a little extra spending money for gifts, travel or whatever makes your season merry.

No Payments for 60 Days
Give your holiday budget a little breathing room with up to 60 days until your first payment.

Rates as Low as 4.94% APR*
Get a competitive rate on your next new or used vehicle.

*Offer available on qualifying pre-approved and direct (in-house) new or used vehicle purchase loans only. Offer is not available on indirect auto loans or refinances. Loan must be closed and funded between November 1 and December 31, 2026. Interest rates as low as 4.94% APR. Qualifying guidelines apply. Subject to credit approval.

The Power of Pre-Approval.

There are so many options- how do you know if you are getting a great deal? Getting pre-approved for your auto loan BEFORE you buy lets you know what loan interest rate and term for which you qualify. Having a pre-approval gives you bargaining power when shopping at a dealership. So, why NOT take the 5-minutes to apply online NOW for a low-rate auto loan with Your NC Community Credit Union!

If you are seeking to purchase a new or used vehicle or are considering a refinance of your current auto loan to achieve a lower interest rate and monthly payment, let us see if we can help save you money! At Your NC Community Credit Union, we provide the same competitive auto loans you find at a big bank combined with the personal service that can only be found at a local institution.

Once you submit your application, a member of our team will contact you directly regarding the status of your loan within 1 business day.

Get Pre-Approved

Getting pre-approved for your vehicle purchase before you buy allows you to know what loan interest rate and term you qualify for. Having a pre-approval gives you bargaining power when shopping at a dealership.

Get Pre-Approved Today!

GETTING PRE-APPROVED IS EASY AT NCCFCU!

Check your vehicles value.

Most lenders, including our team at NC Community Credit Union, use NADA guides to determine the value of your vehicle and how much we are able to lend for it. We lend a percentage of a vehicle’s NADA Clean Retail value; the percentage of that value that we lend depends upon your creditworthiness, as well as the age of the vehicle.

Use NADA to check your vehicle’s value now.

What's my car worth?

Current Loan Rates

Shop our rates.

The interest rate you pay greatly affects your overall cost for your vehicle, so don’t get stuck paying too much. We finance new and used vehicles as low as 4.94% APR†. To assign your rate, we look at things like your credit score, overall debt-to-income ratio, the loan-to-value of the vehicle you are purchasing and your employment history (longevity in a job OR same line of work for an extended period of time).

Auto Loan Rates

MODEL YEARSTERM OFFERED
(Months)		RATE AS LOW AS
(APR*)
New, 2025 (untitled) -202624-484.94%
49-605.14%
61-665.34%
67-725.49%
73-845.99%
Pre-Owned (2020+)24-485.14%
49-605.34%
61-665.54%
67-725.69%
73-846.19%

*APR is the abbreviation for annual percentage rate.
** "AS LOW AS" loan rates may be adjusted based on credit performance and loan to value; additional terms may apply. All rates subject to change without notice. Maximum rate is 18.00%.
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† APR – Annual Percentage Rate