Vehicle Loans

When buying a new or used car, you can count on Andrews Federal Credit Union to keep your auto loan payments affordable with our flexible financing options and great low interest rates.  Getting pre-approved for your loan from Andrews Federal is a smart choice before you visit the dealership. You’ll know exactly how much car you can afford and get the car you really want. Our Auto Loans come with:

  • Affordable payment options with low interest rates
  • Terms available up to 84 months
  • Convenient online application
  • Fast pre-approvals
  • Protection options available including Payment Protection and GAP protection with GAP Advantage and GAP PowerBuy, offered at much less than most dealers

Other Loan Types

We also finance new and used motorcycles, boats, and recreational vehicles.  It's time to enjoy the outdoors today!

Payment Protection

Death and disability are unpredictable and could happen to anyone, at any age. Payment Protection¹ can help safeguard your investment by covering your loan if you or your co-borrower are unable to make payments. Adding Payment Protection to your loan can:

  • Eliminate all or part of your remaining loan balance
  • Protect your credit rating as loan payment obligations are made on your behalf
  • Create financial secruity for your family
  • Free-up extra cash when it's most needed

Ask your member service representative about this valuable benefit when you apply for your loan!

¹Payment Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans.  

Your purchase of Payment Protection is optional.  Whether or not you purchase Payment Protection will not affect your application for credit or the terms of any existing credit card agreement you have with the financial institution.  There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Payment Protection.  You should carefully read the contract for a full explanation of the terms

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) covers your vehicle if it is stolen or damaged beyond repair. This valuable coverage pays the balance of your Andrews Federal loan that your insurance company may not cover. A low, one-time payment now protects you for the life of your loan.

You can extend your GAP protection with GAP Advantage and GAP PowerBuy.  When you choose GAP advantage, you’ll receive a $1,000 allowance to finance a replacement vehicle with us.  With GAP Advantage with PowerBuy, you could receive even more with additional money towards the purchase of a new vehicle.  Learn more about these valuable benefits.

Find Your Next Car Online

Use our AutoSmart online auto buying service to find your next new or used car!  First, search thousands of vehicles online at dealers near you to compare makes and models, and find the best value.  Next, finance your auto loan with us by getting pre-approved quickly and conveniently online.  Click here to find your next new or used car.

Table data for New and Used Auto Loans
 Rates effective 08-21-2018
New Auto1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 1.89% $28.60 Apply Receive a notification when this rate changes
48 months 2.59% $21.96 Apply Receive a notification when this rate changes
60 months 2.99% $17.97 Apply Receive a notification when this rate changes
72 months3 3.24% $15.31 Apply Receive a notification when this rate changes
84 months4 4.24% $13.79 Apply Receive a notification when this rate changes
Used Auto1 Alert Me
36 months 2.24% $28.75 Apply Receive a notification when this rate changes
48 months 3.09% $22.18 Apply Receive a notification when this rate changes
60 months 3.24% $18.08 Apply Receive a notification when this rate changes
72 months3 3.74% $15.53 Apply Receive a notification when this rate changes
84 months4 4.74% $14.02 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Maximum loan amount is $150,000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.

Table data for New and Used Motorcycle Loans
 Rates effective 08-21-2018
Harley Davidson
Motorcycles
APR as low as1 Payment Per
$1,000 Borrowed
Alert Me
36 months 5.14% $30.04 Apply Receive a notification when this rate changes
48 months 5.64% $23.33 Apply Receive a notification when this rate changes
60 months 6.14% $19.41 Apply Receive a notification when this rate changes
72 months2 6.64% $16.88 Apply Receive a notification when this rate changes
84 months3 7.14% $15.17 Apply Receive a notification when this rate changes
New Motorcycle Loans
(non Harley Davidson)4
Alert Me
36 months 6.14% $30.49 Apply Receive a notification when this rate changes
48 months 6.64% $23.79 Apply Receive a notification when this rate changes
60 months 7.14% $19.88 Apply Receive a notification when this rate changes
72 months2 7.64% $17.37 Apply Receive a notification when this rate changes
84 months3 8.14% $15.66 Apply Receive a notification when this rate changes
Used Motorcycle Loans
(non Harley Davidson)4
Alert Me
36 months 6.74% $30.77 Apply Receive a notification when this rate changes
48 months 7.24% $24.07 Apply Receive a notification when this rate changes
60 months 7.74% $20.16 Apply Receive a notification when this rate changes
72 months2 8.24% $17.66 Apply Receive a notification when this rate changes
84 months3 8.74% $15.97 Apply Receive a notification when this rate changes
  • 1APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle, not to exceed $50,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 2Term of 72 months requires minimum loan amount of $18,000.
  • 3Term of 84 months requires minimum loan amount of $20,000.
  • 4A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.

Table data for New and Used Recreational Vehicle Loans
 Rates effective 08-21-2018
New Recreational Vehicles1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.74% $30.77 Apply Receive a notification when this rate changes
48 months 7.24% $24.07 Apply Receive a notification when this rate changes
60 months 7.74% $20.16 Apply Receive a notification when this rate changes
72 months3 8.24% $17.66 Apply Receive a notification when this rate changes
84 months4 8.74% $15.97 Apply Receive a notification when this rate changes
Used Recreational Vehicles1 Alert Me
36 months 7.24% $31.00 Apply Receive a notification when this rate changes
48 months 7.74% $24.30 Apply Receive a notification when this rate changes
60 months 8.24% $20.40 Apply Receive a notification when this rate changes
72 months3 8.74% 417.91 Apply Receive a notification when this rate changes
84 months4 9.24% $16.22 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 100% of the MSRP or NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.

Table data for New and Used Boat Loans
 Rates effective 08-21-2018
New Boat Loans1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.24% $30.54 Apply Receive a notification when this rate changes
48 months 6.74% $23.83 Apply Receive a notification when this rate changes
60 months 7.24% $19.92 Apply Receive a notification when this rate changes
72 months3 7.74% $17.41 Apply Receive a notification when this rate changes
84 months4 8.24% $15.71 Apply Receive a notification when this rate changes
Used Boat Loans1 Alert Me
36 months 7.24% $31.00 Apply Receive a notification when this rate changes
48 months 7.74% $24.30 Apply Receive a notification when this rate changes
60 months 8.24% $20.40 Apply Receive a notification when this rate changes
72 months3 8.74% $17.91 Apply Receive a notification when this rate changes
84 months4 9.24% $16.22 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or NADA value of vehicle, not to exceed $50,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products.
  • 3Term of 72 months requires minimum loan amount of $18,000.
  • 4Term of 84 months requires minimum loan amount of $20,000.