Auto Loans
Getting a car should be exciting- not stressful. At 360FCU, our auto loans are built to keep things simple, fast, and real. With low auto rates, you can finance up to 100% of the purchase price of a new/used vehicle or motorcycle!
Why people love them:
- Finance up to 100% of the purchase price of a new/used vehicle or motorcycle
- Quick online applications & preapprovals
- Competitive rates
- Flexible terms up to 84 months
- Refinance an existing vehicle loan you have at another financial institution
- GAP Protection, Extended Warranty, & Debt Protection Plans to protect your investment
- And of course, local support. Real people ready to help when you need it
New & Used Auto Loan Rates
| Rates as of: 4/3/2026 | ||||
|---|---|---|---|---|
| Up to 7 Years Old- Max 124K Miles 100% Financing Available | Monthly Payment Per $1,000 Borrowed | Over 124K miles OR Over 7 Years Old- 85% Financing Available | Monthly Payment Per $1,000 Borrowed | |
| Term | APR1 | APR1 | ||
| Up to 48 months | 4.74% | $22.91 | 6.99% | $23.94 |
| 49 - 60 months | 4.99% | $18.87 | 7.49% | $20.03 |
| 61 - 72 months | 5.49% | $16.33 | Not Available | N/A |
| 73 - 84 months | 5.74% (current model year only) | $14.48 | Not Available | N/A |
Ready to get started? Apply today!
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1) APR = Annual Percentage Rate. Rates are effective as of the date shown and are subject to change without notice. The Annual Percentage Rate includes a 0.25% rate discount with Auto-Pay from a 360 Federal Credit Union Account. If the Auto-Pay is not set-up or removed from the account your rate will increase by 0.25%. Rates listed are based on our credit grade “A”. Your actual rate may differ depending on your individual credit score, term, vehicle model year, vehicle miles, and value of collateral.
Loans are subject to credit approval. Membership eligibility required. Ask for details.
