Auto Loans That Move You Forward
Why APCU Auto Loans?
Why Members Choose APCU:
- Competitive low rates
- Fast, local decision-making
- Flexible terms to fit your budget
- Easy refinancing options
- Trusted by first responders & families
Rates, as low as, 5.0% APR*.
*On a brand new 2026 at 24 months for 700 and higher credit score.
Loan Options
New & Used Auto Loans
- Purchase from dealer or private seller
- Flexible terms
Refinance Your Current Loan
- Lower your monthly payment
-
Reduce your interest rate
Pre-Approval
- Shop with confidence
- Know your budget before you buy
What You’ll Need
Simple checklist:
- Proof of income
- Valid ID
- Vehicle information (if selected)
- Insurance info
Already Have a Car Loan? Let’s Improve It
Lower Your Rate
Reduce Your Monthly Payment
Skip a Payment
Built for Those Who Serve Our Community
- Serving police, first responders, municipalities and their families
- Local, trusted financial partner
- Personalized service—not a call center