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Apple FCU Auto Loans

Your new wheels are waiting for you.

Fast. Easy. Hassle-free. Everything you want in the buying process!

Get pre-approved and shop like a “cash buyer” for new or used* vehicles, so you can focus on the actual selling price, rather than keeping track of the interest rate and loan term. You’ll also know exactly how much you can spend.

View our Rates and New Auto Disclosure, Used Auto Disclosure, New Auto Refinance , Used Auto Refinance.

Schedule a Video Banking appointment with an Auto Loans representative.

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*A used vehicle is defined as vehicles up to 7 model years old.

Enjoy the Benefits of the Apple Car Buying Service

Join thousands of other smart shoppers and take advantage of exclusive discount pricing for new and used autos. Experience Apple’s Car Buying Service, powered by TRUECar®.

Find Your Vehicle

Access FREE Price and Market Reports, compare features, see pictures, read reviews and check your trade-in value.

Select a Dealer

Work with our certified, prescreened dealer network to ensure a better car buying experience with a hassle-free deal.

Save Money

Get a Price Protection Certificate to lock-in your Guaranteed Savings* before visiting a dealer. No cost. No obligation.

Participants see an average guaranteed savings of $3,533 off MSRP** when buying a new car from a TrueCar Certified Dealer. Now that’s a good deal!

You may also secure financing directly by visiting one of our Partner Dealerships. On-site financing means your dealer will complete all your loan paperwork on-the-spot, and you’ll receive the same great rates, discounts and features as you would in an Apple branch.

Loan Perks


Loan Discounts

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

Auto Loan & Insurance Discount

  • Save .25% off your approved Apple FCU Auto Loan rate when you secure Auto Insurance through Apple Financial Services. Their independent agents represent multiple national carriers - like Progressive and Travelers - and can quote them all at once, saving you time and money.

Direct Deposit Discount

  • Enjoy a 0.25% Direct Deposit rate discount when you set up a monthly direct deposit of $1,000 or more into an Apple FCU Savings or Checking account. 

Down Payment LTV Discount

  • When you finance 90% or less of the value of the vehicle, you may qualify for a lower rate. 

Credit Score Improvement Review

  • After you have made 12 on-time payments on your Apple loan, you may qualify for a lower rate, based on an improvement of your credit score.

View our Rates and New Auto Disclosure, Used Auto Disclosure, New Auto Refinance , Used Auto Refinance .

Apply Now

Approximate Payment Calculation Table

Payments based on $20,000 loan amount. Maximum loan amount of $100,000.

Product As Low As Rate Minimum Term Approximate Payment
New & Refinance New Auto 5.04 % 36 $599.78
Used & Refinance Used Auto 5.69 % 36 $605.63
New Motorcycle 4.54 % 36 $595.3
Used Motorcycle 5.39 % 36 $602.93

More Loan Options

First-time Buyer


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 an easy application process, manageable terms and is a great way to build credit.

Motorcycle Loan

Rates | New Motorcycle Loan Disclosure | Used Motorcycle Loan Disclosure

  • Up to 100% financing available
  • Flexible terms up to 84 months (New) and 72 months (Used)
  • No hidden costs or early payoff penalties


Rates | New Refi Auto Disclosure | Used Refi Auto Disclosure

  • Up to 130% financing available based on credit worthiness; not all borrows will qualify for the maximum loan to value
  • Flexible terms up to 84 months
  • Used vehicles up to 7 model years old are eligible
  • No hidden costs or early payoff penalties

Get Pre-approved

Shop like a "cash buyer" with a pre-approved auto loan check. Now you can focus on the actual selling price, rather than keeping track of the interest rate and loan term.  You'll also know exactly how much you can spend.

View our Rates and New Auto Disclosure, Used Auto Disclosure, New Auto Refinance , Used Auto Refinance .

Apply Now

What information do I need to get a loan or refinance

You’ll need:

  • Government issued photo ID - a driver’s license, state-issued ID or a military ID
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)
  • Auto Insurance Declaration Page

To refinance, you’ll also need the following:

  • Current lienholder name and payoff address 
  • 10-day payoff amount 
  • VIN and other vehicle information, including mileage and features.
  • Current registration for vehicle

View our Rates and New Auto Disclosure, Used Auto Disclosure, New Auto Refinance , Used Auto Refinance .

Apply Now

Ask a Question about our Auto Loan

Collateral Protection Insurance

Avoid the added cost of Collateral Protection Insurance by keeping your insurance policy up to date.

The terms of your loan contract require Comprehensive and Collision Insurance coverage for the life of the loan. As the lien holder on your vehicle, we depend on this coverage because it protects the Credit Union from uninsured loss. 

If you have a lapse in coverage, a Collateral Insurance Policy will be applied to your loan and the cost is added to your monthly payments. Although Collateral Protection Insurance protects the Credit Union, it is no substitute for traditional insurance.

More helpful resources

*Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer.   

For questions about the Apple FCU Car Buying Service please call 1-866-619-1191. **Between 1/1/19 and 12/31/19, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 1/1/2020, was $3,533. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The MSRP is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. TrueCar, Inc. (“TrueCar”) operates this information publishing website (“Service”) that features pricing, performance, technical and safety data available for new and used car/truck purchases at participating dealers. The lowest possible price is not guaranteed. The Service is not available in all locations. Certified Dealers are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program. Neither TrueCar nor Apple FCU brokers, sells, or leases motor vehicles. Unless otherwise noted, all vehicles shown on this website are offered for sale by licensed motor vehicle dealers. Used vehicles are subject to prior sale.

Current Apple FCU Auto Loans are not eligible for refinance.

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We REALLY Love our Members

We REALLY Love our Members

When you close on a qualifying loan, you’ll be entered to win a biplane adventure!*

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Buying a Car

Need a car? Learn the process and save when purchasing a car.

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