Why wait until you're at the dealership? Get pre-approved for your auto loan and enjoy:
- Faster vehicle purchasing with financing already in hand
- A clear picture of your budget and monthly payments
- Greater negotiation power at the dealership
Once pre-approved, you can even explore vehicles through our Auto Buying Service for a simplified, credit union-backed shopping experience.
Don’t wait—lock in your rate today and cruise smoothly into the new year. It’s the perfect time to make a move, enjoy the open road, and embrace everything 2026 has to offer.
*This offer is available from January 1 - February 28, 2026. Promotional rates apply only to auto loan purchases or refinances from other lenders. Existing CTFCU auto loans are not eligible for reduced promotional rates.
New Auto Loans
Drive off in your dream car with a low-rate auto loan tailored for new vehicle purchases. Our flexible terms let you choose what works for your budget.
| Term | APR as low as * |
|---|---|
| 12-36 Months | 3.99% |
| 48 months | 4.24% |
| 60 Months | 5.24% |
| 72 Months | 5.74% |
| 84 Months | 6.74% |
Used Auto Loans
Buying used? Save more with a Carolinas Telco FCU used auto loan. Get great rates and flexible terms on eligible vehicles. Vehicles must be 8 model years or newer (including the current year). Mileage must not exceed 100,000 miles.
| Term | APR as low as* |
|---|---|
| 12-36 Months | 4.74% |
| 48 Months | 4.99% |
| 60 Months | 5.99% |
| 72 Months | 6.49% |
Loans are available for a maximum term of 72 months on vehicles up to 8 model years old with a mileage limit of 100,000 miles.
Extended Age and Mileage Used Auto Loans
Need financing for an older vehicle? We've got you covered.
Eligible vehicles include: 9-12 model years old or mileage between 100,001-150,000 miles.
| Term | APR as low as* |
|---|---|
| 12-48 Months | 8.65% |
| 60 Months | 9.15% |
All approved loans for 11- and 12-year-old vehicles will incur an additional 0.50% APR increase in the interest rate.
Refinance Your Auto Loan
Already have a car loan? Refinance with Carolinas Telco FCU and enjoy:
- Potentially lower monthly payments or interest rate
- Flexibility to adjust your loan term
- Zero dealership markups
How to Apply
Applying is easy and fast! Choose the option that works best for you:
- Apply Online
- Visit your nearest Carolinas Telco FCU branch
- Call us at 1-800-622-5305
Calculate Your Payment
Not sure what your monthly auto loan payment might be? Use our Auto Loan Payment Calculator to estimate your payment based on loan amount, interest rate, and term.
Shop with Our Auto Buying Service
Skip the dealer hassle and shop smart with our Auto Buying Service:
- Get pre-approved with Carolinas Telco FCU.
- Work with our advisor to locate your ideal vehicle.
- Have it delivered to a nearby branch, simple and stress-free.
Protect Your Loan (Warranty, GAP & Debt Protection) Other Vehicle Loans (Recreation)
Looking to finance a motorcycle, boat, RV or ATV? We offer affordable financing for all your recreational vehicle needs.
We offer protection products to give you peace of mind with your auto loan.
- Vehicle Warranty: Coverage for unexpected repairs
- GAP Coverage: Protects you if your vehicle is totaled or stolen
- Debt Protection: Help during life events like job loss or disability
Refinance Your Auto Loan
For the most current rates and effective dates, please visit our Loan Rates page.
