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Auto Loans

Start at 36 Months

       New
       Used
  1.49% APR
  1.99% APR

Apply Now

Or call (800) 290-7328

Auto Loans

How it Works...

AAA has partnered with PenFed to bring Members great rates on loans for cars, motorcycles, and more!

Required Documents
Loan Benefits

Rates on New and Used Cars:

 Term of Loan
 Rate (New)
 Rate (Used)
 36 Months
 1.49% APR
 1.99% APR
 48 Months  1.99% APR
 2.49% APR
 60 Months  1.99% APR  2.99% APR
 72 Months
 2.74% APR
 3.49% APR


Rates and offer current as of July 1st, 2016, and are subject to change. Rate depends on term. Other restrictions including vehicle age, mileage and weight may apply. Financing up to $100,000. In order to refinance an existing PenFed auto loan, the advertised rate must be equal to or greater than your current PenFed auto loan rate.

 

New auto loans: Financing is available up to 110% of the Manufacturer's Suggested Retail Price (MSRP) including tags, title, taxes and extended warranties. New vehicles are where you are the original owner and the vehicle is a current (2016) or prior model year (2015). 1.49% APR applies to new vehicles financed for 12-36 months. 1.99% APR applies to new vehicles financed for 37-48 months. 1.99% APR applies to new vehicles financed for 49-60 months. 2.74% APR applies to new vehicles financed for 61-72 months. Minimum loan amount of $15,000 required for 61-72 month loan term. New vehicle payment examples: $20,000 loan at 1.49% APR; 36 monthly payments of approximately $568.41 each. $20,000 loan at 1.99% APR; 48 monthly payments of approximately $433.82 each. $20,000 loan at 1.99% APR; 60 monthly payments of approximately $350.47 each. $20,000 loan at 2.74% APR; 72 monthly payments of approximately $301.55 each.

 

Used auto loans: Financing is available up to 110% of NADA average retail value including tags, title, taxes and extended warranties. 1.99% APR applies to used vehicles financed for 12-36 months. 2.49% APR applies to used vehicles financed for 37-48 months. 2.99% APR applies to used vehicles financed for 49-60 months. 3.49% APR applies to used vehicles financed for 61-72 months. Financing for 61-72 months would be limited to the current (2016) and prior two model years (2015 & 2014). Minimum loan amount of $15,000 required for 61-72 month loan term. Used car loan examples: $20,000 loan at 1.99% APR; 36 monthly payments of approximately $572.76 each. $20,000 loan at 2.49% APR; 48 monthly payments of approximately $438.19 each. $20,000 loan at 2.99% APR; 60 monthly payments of approximately $359.28 each. $20,000 loan at 3.49% APR; 72 monthly payments of approximately $308.28 each.

PenFed Credit Union is federally insured by NCUA.

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