Auto & Motorcycle Loans

Here’s To Your Next Road Trip 

The open road is full of endless possibilities— which is why our lending experts are here to make your next car-buying experience easy and headache-free. There has never been a better time to leave high payments in the dust. So, roll down your windows, turn up your music and drive off in the car you’ve always wanted — with the lowest rates for the road ahead. 


  • Finance up to 100% of the purchase price of a new or used vehicle or motorcycle.
  • Extended terms up to 84 months
  • Fast pre-approvals
  • Same rates for new and used vehicles up to 10 years old
  • Refinance an existing vehicle loan you have at another financial institution
  • GAP Protection to protect your investment

Learn more about our Motorcycle Loans. 


Apply Now


Auto Affordability Calculator

Loan Payment Calculator


New & Used Auto Loan Rates

Rates as of: 11/16/2022  
Up to 10 Years Old- Max 125K Miles 100% Financing AvailableOver 125K miles OR Over 10 Years Old- 85% Financing Available
Up To 36 months5.00%6.75%
37 - 48 months5.00%6.75%
49 - 60 months5.25%6.99%
61 - 72 months5.50%Not Available
73 - 84 months6.00% (current model year only)Not Available
Payment Example: 60 month, $25,000 at 5.25% APR monthly payment would be $474.66.



Miscellaneous Secured Rates

Rates as of: 07/20/2022 
ATV's, Personal Watercraft, Snowmobiles
Up To 60 months6.74%
61 - 84 months7.74%
Boats, RV's
Up To 60 months6.74%
61 - 84 months7.74%
85 - 120 months28.74%


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.

2) Term for loans greater than $25,000.

Loans are subject to credit approval. Membership eligibility required. Ask for details.