Auto Loans

Need a vehicle for school or work? Let us help you finance your first car!

Be an informed consumer when purchasing a car and know the value of the vehicle you’re looking to purchase. Use SECU's free online car values service to determine vehicle values and options before you buy. Check out JD Power new car pricing and estimated used car values in the Auto Center section via Member Access to determine vehicle values and options before you buy.

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3 Ways to Request a New or Used Auto Loan¹

1. Apply online via Member Access.Apply Online
2. Apply by phone by calling Member Services: (888) 732-8562. Lending Services Hours of Operation: 8:00 am – 9:00 pm (Eastern).
3. Apply at your local branch. Print and review a Loan Information Checklist before your visit.

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New Auto Loans²

We offer fixed-rate financing for new vehicles for terms up to 96 months. We finance up to 120% of the vehicle MSRP value to cover other purchase-related expenses. Vehicle must be prior, current or upcoming year model with 10,000 miles or less.

View New Auto Loan Rates »

Used Auto Loans²

We offer fixed-rate financing for used vehicles for terms up to 72 months. We can finance up to 120%^3Sof the vehicle JD Power retail value. Cash-out refinances are limited to 100% of the vehicle JD Power retail value. Determine the estimated value of your vehicle in the Auto Center section via Member Access.

• 72-month financing⁴ available for vehicles that meet both of the following conditions:
  • Model year less than 10 years old
  • Mileage does not exceed 150,000

View Used Auto Loan Rates »

Auto Insurance

Collision and comprehensive insurance coverage with a maximum $1,000 deductible required for the duration of the loan. We offer auto insurance through AAA Carolinas.⁵ Get a risk-free quote online.

Learn more about insurance coverage options »



¹ Members must be at least 18 years of age or older eligible for lending services to apply. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
² Vehicle title held as collateral. Commercial vehicles or vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral.
³ Cash out is not available on vehicle purchase transactions.
⁴ Financing is not allowed on vehicles older than 10 years or those with mileage in excess of 150,000 miles at time of origination.
⁵ SECU Insurance Services has partnered with AAA Insurance to provide auto and other personal lines insurance. SECU Insurance representatives are licensed to sell insurance in North Carolina only. You can contact an SECU Insurance representative toll free at 1-888-732-8562 or locally in Raleigh at 919-857-2150 Monday - Friday from 8:00 am to 5:30 pm.