Find a Location

Zip Code

ATMs Branches

New and Used Auto Loans

Auto Loans

Whether you're looking for a new or new to you vehicle, AgFed will be with you every step of the way. We have competitive rates for wherever the road takes you!

Plus, receive a 0.15% Rate Discount if the Auto Loan is Funded within 7 Days!*

Apply for a Loan

Features of an AgFed Auto Loan:

Financing options on new and used vehicles
Convenient payment options include Online Banking and Mobile Banking
Low cost GAP and Member Loan Protection available
Determine what you can afford with our Auto Loan Calculator
Find your next vehicle with our Auto Shopping Center

Auto Loan FAQs

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2023 - 2024	Fixed	Up to 36 months	5.24%
2023 - 2024	Fixed	Up to 48 months	5.74%
2023 - 2024	Fixed	Up to 60 months	5.99%
2023 - 2024	Fixed	Up to 72 months	6.99%
2023 - 2024	Fixed	Up to 84 months	7.99%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60-month term at a rate of 5.99% APR is $386.61.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2018 - 2022	Fixed	Up to 36 months	5.99%
2018 - 2022	Fixed	Up to 48 months	6.49%
2018 - 2022	Fixed	Up to 60 months	6.99%
2018 - 2022	Fixed	Up to 72 months	7.49%
2019 - 2022	Fixed	Up to 84 months	8.49%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60-month term at a rate of 6.99% APR is $396.03.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2015-2017	Fixed	Up to 60 months	7.49%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60-month term at a rate of 7.49% APR is $400.77.

(1) APR is Annual Percentage Rate. AgFed reserves the right to change the published rate at anytime without advance notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval.

*Rate discount offer of 0.15% will be applied based on the applicant's qualified rate. The loan must be funded within seven (7) business days to qualify for rate discount offer. Offer does not apply to AgFed internal refinances, previously funded auto loans or any auto loans funded after the seven (7) business days period. AgFed reserves the right to amend or withdraw this offer at anytime without prior notice. Certain restrictions and conditions may apply.

** New vehicles are the two (2) latest model years, currently 2023 and 2024. Used vehicles are currently 2018 model year to 2022 for terms up 72 months and 2019 model year to 2022 for terms up to 84 months. All advertised Auto loan rates reflect financing at 100% LTV. Financing is available up to 125% with a margin added for LTV between 101% and 125%. The added margin will not exceed 0.50%. Minimum loan amount for a 72 month term is $25,000.00. Minimum loan amount for a 84 month term is $35,000.00

*** Older used vehicles are the 3 oldest model years, currently 2015 to 2017. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

Your Partner for Life