Auto & RV Loans
Drive, ride, or sail away for less — with fast, local approvals.
What rate can I get on an auto loan? NCACU offers competitive new and used auto loan rates with flexible terms, and you can often get a decision the same day. Already have a loan elsewhere? Refinancing to NCACU could lower your rate and monthly payment.
What you get
- Competitive rates for new and used vehicles
- Financing for cars, trucks, RVs, motorcycles, and boats
- Fast, local approvals — often same day
- Refinance an existing loan to lower your payment
- GAP coverage and mechanical protection available
- No prepayment penalties
| Term | New Auto APR* | Used Auto APR* |
|---|---|---|
| Up to 36 mo | 5.24% | 5.49% |
| 48 mo | 5.49% | 5.74% |
| 60 mo | 5.74% | 5.99% |
| 72 mo | 6.24% | 6.49% |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
Frequently Asked Questions
Yes. A pre-approval lets you shop like a cash buyer and know your budget before you visit the dealer.
Yes, we finance vehicles purchased from dealers and private sellers. Contact us for the documents you'll need.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.