Auto Loans

New and Used Auto Loans

We offer the same rates on both New and Used vehicles, with the exception of 84 months rates, which are reserved for new vehicles only.

TermAPR as low as*
36 Months 3.39%
48 Months 3.39%
60 Months 3.59%
72 Months 3.79%
84 Months (new only) 3.99%

Extended Age and Mileage Used Auto Loans

Used vehicles that meet at least one of the following: 9 to 12 model years old and/or over 100,000 miles not to exceed 150,000 miles.

TermAPR as low as*
36 Months 4.79%
48 Months 4.79%
60 Months 4.99%

Once you're approved, save time and energy with our Auto Buying Service.

Ready to buy your next vehicle? Before heading to the dealer, check with our Auto Buying Service or Enterprise Car Sales, to locate your car, truck, or SUV at a great price.

If you currently have a loan financed elsewhere, contact us for a rate or payment comparison.
Refinance and save, today!

How to Apply:

  • Apply online.
  • Stop by your local branch office
  • Call us toll-free at 1-800-622-5305

All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: October 16, 2019. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.

*Your loan request will be evaluated based on your creditworthiness at the time of loan application. Rates and terms will be set based on a review of income, verification of employment, loan to value assessment, and other underwriting guidelines. Loan terms of 84 months are reserved for new vehicles only. Extended age and mileage vehicles must be either 9-12 years old (including the current year) or have mileage between 100,000 miles and 150,000 miles. Any vehicles with mileage over 150,000 cannot be financed with an auto loan. All approved loans for 11-12 years old vehicles will incur an additional 0.50% APR rate increase. Used vehicle loan terms cannot exceed 72 months and are limited to less than 100,000 miles. Used vehicles cannot exceed an age of 8 model years (including the current year). Extended Age or Mileage vehicles may qualify for different rates and terms. APR = Annual Percentage Rate. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown above, up to 18.00% APR. The minimum payment for all auto loans is $150. For information regarding the rate and terms you may qualify for, contact us at 1-800-622-5305.

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