Young family taking a road trip in their car.


Up to 120% of retail value


Up to 72 months

Let us help you at every step of the car buying process, from financing to getting real information on the value of your trade-in. We can finance all used models up to 10 years with mileage of 150,000 or less.

Are there eligibility requirements?

We offer loans to members who are residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia. You must be age 18 or older to qualify for a loan.

You must have collision and comprehensive insurance protection with a maximum deductible of $1,000 on your auto for the duration of the loan. Your Credit Union offers free auto insurance quotes.

Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral.

Fair loan terms that protect you

Our Used Auto Loans feature financing up to 100% of the J.D. Power retail value of the car plus an additional 20% to cover purchase-related expenses such as tax, tags and extended warranties. Your Annual Percentage Rate (APR) is determined by your credit history.

Cash-out refinances are limited to 100% of the value of the vehicle based on the J.D. Power retail value. Cash-out is not available on vehicle purchase transactions.

Loan terms up to 72 months are available. You can use this calculator to determine your payment options.

The Credit Union holds the vehicle title as collateral. There is no pre-payment penalty. Product availability and current rates may be changed at any time at the discretion of the Board of Directors.

Know the value

When buying, selling or trading in a used vehicle, it's important to know its value. To find wholesale and retail car values based on your car’s options and mileage:

  1. Log in to Member Connect.
  2. Select Services.
  3. Then choose Car Values under Auto Center.

Use Auto Power to get pre-approved

Start your financing process with Auto Power. Qualified applicants can get a pre-approved check up to a specific dollar amount for the purchase of a used vehicle. That makes it easier for you to negotiate the best price for a car. 

Protect your car from the start

You can count on us to protect your auto investment from the start. Consider GAP coverage for a one-time flat fee.

Next Steps

Choose a way to request your Used Auto Loan.

Your resources: Loan Information Checklist