Auto Loans
When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, 100% financing and great service. Get pre-approved for your loan from Democracy FCU before you visit the dealership. You can upgrade your ride and save hundreds!
Guaranteed Auto Protection (GAP)
Pays off your loan balance if your car is stolen or damaged beyond repair.
Auto Advantage Program
Complimentary deductible reimbursement with the purchase of GAP.
Extended Warranty
Protection from budget-busting vehicle repairs.
New Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment Per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 66 Months | Up to $25,000 | 2.35% | $16.17 | Up to 125% of MSRP to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 78 Months | $15,000 to $35,000 | 3.05% | $16.48 | Up to 125% of MSRP to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 84 Months | $35,000+ | 4.30% | $17.05 | Up to 125% of MSRP to include tax, tags, warranties and GAP | Estimate Your Payment | |
| A New Auto is an untitled auto or current year model. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Used Same as New Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 66 Months | Up to $15,000 | 2.35% | $16.17 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 78 Months | $15,000 to $35,000 | 3.05% | $16.48 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 84 Months | $35,000+ | 4.30% | $17.05 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| A Used Same as New Auto includes model years 2018 and 2019 that are untitled autos or current year models. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Used Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 66 Months | Up to $15,000 | 2.75% | $16.35 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 78 Months | $15,000 to $35,000 | 3.65% | $16.75 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| 84 Months | $35,000+ | 4.65% | $17.21 | Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP | Estimate Your Payment | |
| A Used Auto includes model years 2014, 2015, 2016, 2017, and 2018. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Estimate Your New Auto Loan Payment
TruStage® Auto & Home Insurance Program
Designed for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Get your free quote today or call 1-855-483-2149.
TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2017
AHE, AHL-1339661.2