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Home » Personal Banking » Loans » Auto Loans
Auto Loans is rated 4.8 out of 5 by 660.
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Easy Application Process. Quick Decisions. One Great Experience.

Imagine loving your payments as much as you love your new car. It’s possible with our great rates and flexible terms.

Features:
  • Up to 115% financing available
  • Flexible terms up to 84 months
  • Used vehicles up to 7 model years old are eligible
  • No hidden costs or early payoff penalties
  • Guaranteed Savings with our FREE Car Buying Service
  • On-site Apple financing available at Partner Dealerships
  • Easy, online payments in Online Banking
  • Apply in a branch, over the phone or online.

Get Pre-approved

Simplify the car buying process and shop like a “cash buyer” with a same-as-cash Apple Auto Loan Check. This helps you focus on the actual selling price of the car, rather than keeping track of the interest rate, down payment, loan term and trade-in. Plus, because you know exactly how much you can spend, you won’t feel pressured into buying outside of your budget. Apply now to get started.

How to Speed Up Your Loan Approval

Save trips to the branch, limit the need for follow-up and get a faster response to your application request. Gather and provide the following documents when you apply for your Auto Loan:

  • Driver's License, U.S. Military or other state-issued photo identification
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
  • Auto Insurance Declaration Page
    • The auto insurance declaration page is a summary of your auto insurance policy. Declaration pages are issued upon the inception, renewal or revision of a policy and must be submitted to any lienholders.

When you're ready to buy, we're here to help!

Ask a Question about our New Auto Loan

Ready to buy your first vehicle, but have very little to no credit? Whether you buy new or used, our First-Time Auto Buyer Loan offers and an easy application process, manageable terms and is a great way to build credit. Plus, with every approved First-Time Auto Buyer Loan, you’re eligible for a Visa® Platinum Credit Card with a minimum $250 limit.

With the First-Time Auto Buyer Loan, you’ll enjoy:
  • Loan amounts up to $20,000
  • Rate discount for on-time payments and down payment LTV*
  • Flexible terms up to 72 months**
  • Guaranteed savings with our FREE Car Buying Service
  • Affordable Auto Insurance options with one-on-one attention from an insurance agent who will take the time to determine the coverage you need, at a price you can afford
  • Easy, online payments within Online Banking
  • Loan pre-approval online, at the branch or over the phone.
Qualifications:
  • Must be at least 18 years old
  • Must be employed for a minimum of one (1) year or have a qualified co-signer
  • Proof of gross monthly income of at least $1,000
    • Monthly payment not to exceed 15% of gross income, including insurance premium (proof of insurance required before funding)
  • No more than 18 months of history reflected on credit report and no previous vehicle loans or derogatory credit reported (collections, liens, etc.)
  • Minimum $500 down payment
  • Vehicles up to 10 model years old are eligible
    • Used mileage cannot exceed 100,000 miles.
How to Speed Up Your Loan Approval

Get the fastest response; gather and provide the following when you apply:

  • Driver's License, U.S. Military or other state-issued photo identification
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
  • Auto Insurance Declaration Page
    • The auto insurance declaration page is a summary of your policy, issued upon the inception, renewal or revision of a policy.

We’re here to help put you behind the wheel of your first car!

Ask a Question about our First-Time Auto Buyer Loan

Approval is not guaranteed and subject to credit approval. Applicant and the applicable co-signer be a current member or eligible for membership at Apple FCU. *Members who make 12 consecutive months of on-time payments will receive a 0.50% rate discount. Members who borrow 90% LTV will receive a 0.25% rate discount and members who borrow 80% LTV will receive a 0.50% rate discount. Auto value is determined using MSRP, NADA and Kelly Blue Book. **Members may add three months to the terms of their loan with the addition of Major Mechanical Protection, Guaranteed Asset Protection Advantage (GAP) and LoanShield™ Payment Protection. A maximum of nine (9) additional months may be added to terms up to 72 months.

Do you have an auto loan with another financial institution? See if Apple can lower your monthly payments!

Features:
  • Up to 115% financing available
  • Flexible terms up to 84 months
  • Vehicles up to 7 model years old are eligible
  • No hidden costs or early payoff penalties
  • Easy, online payments in Online Banking
  • Apply in a branch, over the phone or online.

How to Speed Up Your Loan Approval

Save trips to the branch, limit the need for follow-up and get a faster response to your application request. Gather and provide the following documents when you apply for your Auto Loan:

  • Driver's License, U.S. Military or other state-issued photo identification
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
  • Auto Insurance Declaration Page
    • The auto insurance declaration page is a summary of your auto insurance policy. Declaration pages are issued upon the inception, renewal or revision of a policy and must be submitted to any lienholders.
  • Current Lienholder name and payoff address
  • 10-day payoff amount
  • VIN and other vehicle information, including mileage and features.

When you're ready to refinance, we're here to help!

Ask a Question about our Refinance Auto Loan

Apply Now

Loan Type
Approximate Terms
APR as low as* Conditions
New Auto
up to 36 months 1.84 % Minimum loan of $250
up to 48 months 2.09 % Minimum loan of $250
up to 60 months 2.34 % Minimum loan of $250
up to 72 months 2.59 % Minimum loan of $15,000
up to 84 months 2.84 % Minimum loan of $25,000
Used Auto
up to 36 months 2.34 % Minimum loan of $250; vehicle must be no more than 7 model years old. Maximum mileage of 100,000.
up to 48 months 2.59 % Minimum loan of $250; vehicle must be no more than 7 model years old. Maximum mileage of 100,000.
up to 60 months 2.84 % Minimum loan of $250; vehicle must be no more than 5 model years old. Maximum mileage of 100,000.
up to 72 months 3.09 % Minimum loan amount $15,000; vehicle must be no more than 4 model years old. Maximum mileage of 100,000.
up to 84 months 3.34 % Minimum loan amount $25,000; vehicle must be no more than 3 model years old. Maximum mileage of 100,000.
Auto Loan Refinance
up to 36 months 1.84 % Offer not applicable on loans currently held by Apple FCU.
up to 48 months 2.09 % Offer not applicable on loans currently held by Apple FCU.
up to 60 months 2.34 % Minimum loan of $250; vehicle must be no more than 5 model years old. Maximum mileage of 100,000.
up to 72 months 2.59 % Minimum loan amount $15,000; vehicle must be no more than 4 model years old. Maximum mileage of 100,000.
up to 84 months 2.84 % Minimum loan amount $25,000; vehicle must be no more than 3 model years old. Maximum mileage of 100,000.

* APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Rate includes maximum Loan To Value discounts. Current Apple FCU Auto Loans are not eligible for refinance.

With Apple Financial Services LLC, a wholly-owned subsidiary of Apple FCU, you’ll enjoy one-on-one attention from an insurance agent who will take the time to determine the coverage you need, at a price you can afford.

Our award-winning agents make shopping for insurance easy. We’ll help you find discounts with national carriers for multiple policies, good drivers, good students, member-only exclusives and more.

Call us at 703-788-4817 to schedule an appointment or get your no cost, no obligation online insurance quote today.

Shop with confidence knowing you got the best deal around!

Down Payment LTV Discount

When you finance less than 80% of the value of the vehicle, you may qualify for a lower rate. Ask your loan officer for details.

Credit Improvement Discount

If you have made 12 on-time payments on your Apple loan, you may qualify for a lower rate. Contact a loan counselor for details.

Call us at 703-788-4800 or visit a Branch for more information about these value-added discounts.

Rated 5 out of 5 by from Comprehensive and Simple Auto Loan. Having never applied for a loan before, the world of financing was pretty intimidating to me. Not to mention that getting this car was necessary to keeping my life on track. My nerves were eased when I went into the Gainesville branch, and sat down with the associate to discuss everything. We had a friendly, professional conversation as she worked with me to create a payment plan that really fitted into my budget. Questions were encouraged and promptly answered, and any confusion was met with patience until I understood the situation. My experience was made very comfortable and overall, I feel much less daunted by having a loan than I thought I would.
Date published: 2015-09-08
Rated 5 out of 5 by from Easy auto loan The online application was quick and easy to fill out. It was approved the next day and I went to my local branch to pick up the check (they could have mailed the check, but I chose to stop by the branch since it was on my way home). Once I purchased my car, I went back to the branch to sign the auto loan papers. Like I said, they whole process was very easy and I got a great rate. The best part is that is takes away a lot of stress when buying the car and one less thing for the car dealership to pressure you on. This is in fact my second auto loan through Apple Federal Credit Union. The first loan was just as easy and convenient, so I went back again when the time came.
Date published: 2016-05-15
Rated 5 out of 5 by from Great Experience. ..Easy, Quick, Comprehensive I was pleasantly surprised as to just how uncomplicated the Used Auto Loan process through Apple Federal Credit Union was for me. I completed the online application, which took me about 15 minutes (maybe less); I did this in the eveninh. Within hours of the next business day, I received a reply that my loan request was approved. I followed up with some back and forth email communications, as well as a few phone calls. I simply went into a local branch to pickup a "draft" check to carry to the car dealership. Everyone that I interacted with through AFCU was friendly, courteous and helpful. Thank you for this very positive banking experience.
Date published: 2016-04-16
Rated 5 out of 5 by from Simple, quick, effortless AFCU (Falls Church branch) made my first bank loan experience completely painless. I filled out the application online on a Friday, then stopped in at the branch to check on the status the next morning. I was immediately greeted and told that they could likely process the loan before close (as I hoped to purchase a car that weekend). No more than a half hour later, I was walking out the door with an approved check. I have a typical college student credit history (no incidents, but not much build up), but it didn't hinder me at all from getting a loan with a good interest rate. Got my new car and everything is moving forward smoothly, thanks to Apple!
Date published: 2016-04-09
Rated 5 out of 5 by from Eazy Peazy Auto Loan!! I was so surprised at how easy the whole process was, I found the Jeep that I LOVED!! I left the dealership with the vehicle, knowing that I had the credit I needed to secure a loan with a great rate through Apple. I went online filled out the application and had the answer the same day. I exchanged a few phone calls with Ashley the next day, and that was it. I didn't have to go into a branch, she handled everything with the dealership, mailed off the check, I set up the payments online, and that was it. Seriously the easiest thing ever! There was no hassle, no haggling, and no running around trying to get the best rates, I knew Apple would handle everything! Now I'm rolling around town in my new wheels!!
Date published: 2016-02-09
Rated 5 out of 5 by from Second Excellent Experience This is the second auto loan that I have with Apple FCU. The loan application process itself was made simple and convenient by Katie Robertson. She is the reason we came back for the second loan. While at the dealerships we were offered different loans with different rates and although we had a check in hand from Apple FCU we were enticed to apply for one of these loans being told we obtained better terms. The bottom line is that the dealership mislead us and upon realizing the mess we had almost gotten into we contacted Katie who helped sort everything out. We walked out of Katie's office with a loan that is completely transparent and met all of our needs.
Date published: 2015-06-06
Rated 5 out of 5 by from Excellent Car...Excellent Service Experience I could not be more pleased with my auto loan experience in purchasing my BMW. From the ease of applying online, to the friendly and customer service focused demeanor displayed by Amy (our assigned loan officer) we could not be happier. Since transferring from another financial institution to Apple, I have been so "over the top" excited by the transformation from a "brick and mortar bank" to a customer friendly built credit union that focuses on a unified goal of saving their members money and providing them with strong financial guidance and options. Thank you for helping and always being a phone call, text, or a few short blocks away when I need you!!!
Date published: 2015-06-09
Rated 5 out of 5 by from Member-Friendly Compared with those from other lenders, new auto loans from Apple FCU work best for us. The approval process is quick and we walked out with a check -- before going to the dealership! This gave us a step up when we decided on a car. We like the transparency in dealing with Apple FCU -- interest rates and payment options are well explained and competitive. We also like the opportunity to make extra payments whenever we can through an easy transfer from our checking account to the car loan balance. Best of all, we always feel Apple associates truly have our best interests at heart when we work with them to secure the best car loan for us.
Date published: 2015-08-13
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If I want to refinance a used car how many years old can it be??

Asked by: Joe69
Thank you for asking about our Auto Refinance Loan. We refinance vehicles up to 7 model years old or a max mileage of 100,000. If you’re interested, please apply online (https://loanapp.applefcu.org/), by phone or in person at a branch, based on your preference. Because each loan is unique, it's best to speak with a loan officer directly to discuss details or questions specific to your needs. Please contact our Member Service Center at 703-788-4800 (800-666-7996 toll-free), Monday – Friday, 8 a.m.-6 p.m. or Saturday, 9 a.m.-12 p.m. or stop by any Apple FCU branch. We appreciate the opportunity to meet your lending needs.
Answered by: Apple FCU
Date published: 2017-05-17

i am currently finacing a car through applefcu and i was wondering if i can refinance for a new car. so basically switch out cars and finance a new one. because im not currently happy my current car. is there any way to do that?

Asked by: Steven F
The proceeds of the new Apple FCU Auto Loan can be used to pay off a remaining balance on your current vehicle following trade-in. To get pre-approved, visit https://loanapp.applefcu.org/. Your loan specialist will be able to talk through the entire process with you (estimated value of your current car, payoff info, approved limit, etc.).
Answered by: AppleFCU
Date published: 2017-05-09

I have an auto loan with Apple FCU. Can I refinance with Apple FCU? I was told I could have my rate reviewed yearly to make it lower when I bought my car.

Asked by: HNP25403
Apple FCU Auto Loans are generally not eligible for refinance at Apple. To discuss your Loan further, and a possible rate reduction following a credit review, please call 703-788-4800, option 4, during business hours. One of our loan specialists will be happy to assist you.
Answered by: AppleFCU
Date published: 2017-05-04

Hi, I moved to North Carolina two years back. Am I still eligible to get auto loans even though I have an active Apple FCU account? Also, what is the maximum loan I can get? What do I go with to the dealership? What documents should I send back to you?

Asked by: Johnson
No matter where you live, as a member of Apple FCU, you're a member for life. Once you've applied for the Apple FCU Auto Loan, your loan counselor will discuss your maximum approved amount with you, as well as the necessary paperwork.
Answered by: AppleFCU
Date published: 2017-04-18

I have a car loan through Apple federal. Is there a way that I can extend my loan to make my payments lower.or refinance to make them lower right now mine is 571 through you guys

Asked by: Slgndrt
Apple FCU loans are generally not eligible for refinance at Apple. Please contact us at 703-788-4800, option 4, to see how we may be of further assistance. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-04-18

Hello, I'm looking to refinance my 2010 Lincoln Navigator L with 203000 miles. Would my vehicle qualify for a refinance loan? Thanks 

Asked by: Jesus M
In order to qualify for Apple FCU Auto Refinancing, the vehicle's mileage must be below 100,000 miles, be within the last seven (7) model years and not currently an Apple FCU loan.
Answered by: AppleFCU
Date published: 2017-04-18

I have two auto loans with apple can I refinance them?

Asked by: Anonymous
Apple FCU Auto Loans are generally not eligible for refinance. Please call 703-788-4800, option 4, to speak with a loan specialist about your options. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-04-12

Hello, I wanted to know is there a minimum or maximum that I have to ask for?

Asked by: Anonymous
The minimum loan amount for an Apple FCU Auto Loan varies based on the term; details can be viewed at https://www.applefcu.org/AppleWeb/Rates. When your application is reviewed, the loan counselor can let you know the maximum you're approved for. That way, if you intended to spend $15,000, but you fall in love with the another model that's $20,000, you'll know in advance if that's possible. It's the advantage of getting pre-approved just before you're ready to buy! We can even provide you an Auto Loan Check to take with you to the dealership, which you can then use for any amount up to your approved maximum. Lastly, you can also learn a wealth of information about car pricing and hassle-free, guaranteed savings using our Car Buying Service. On average, members save thousands of dollars, so check it out: https://applefcu.truecar.com/main.html.
Answered by: AppleFCU
Date published: 2017-04-04
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