A lower rate could mean a lower monthly payment and more room in your budget. For a limited time, refinance an auto loan from another financial institution or finance a used vehicle with rates as low as 3.99% APR* for up to 60 months.
Used Auto Loans
- Rates as low as 3.99% APR*
- Used auto loans & refinancing
- Terms up to 60 months
- Local lending decisions
- No application fee
*APR = Annual Percentage Rate. 3.99% APR is the lowest available Annual Percentage Rate (APR) and is available to qualified borrowers purchasing or refinancing eligible used vehicles with a term up to 60 months. Payment example: at 3.99% APR for 60 months, approximately $18.41 per $1,000 financed. Actual APR, term, and monthly payment are based on credit qualifications, loan amount, model year, mileage, collateral value, loan-to-value ratio, and other underwriting factors. Not all applicants will qualify for the lowest rate. Existing Innovations FCU loans are not eligible for refinance. Membership eligibility required. All loans are subject to credit approval. Rates and terms are subject to change without notice. Limited Time Offer. Offer ends September 30, 2026. Federally Insured by NCUA.
Get pre-approved before visiting the dealership so you can shop with confidence, stay within your budget, and negotiate the best deal.
Plus, protect your vehicle and your wallet with coverage options supported by a team that helps handle the claims process for you.
- Mechanical Breakdown Protection (MBP)
- Guaranteed Asset Protection (GAP)
- Auto Deductible Reimbursement (ADR)
- Depreciation Protection
- Credit Insurance
Ready to save? Our local lending team is here to help you find the right financing. Apply today.
Contact Us Online
Do not include sensitive information such as social security numbers or account numbers as this is not a secure form of communication.
*Indicates a required field.