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Auto Loans


AgFed makes getting an Auto Loan easy and affordable!


Auto loans with AgFed are a breeze. Before you go shopping, let AgFed help you get prepared! From our fast pre-approval process to getting hassle-free, pre-negotiated prices on hundreds of models, AgFed will get you in that dream car in no time!

Ask for the AgFed Express Draft and you can go shopping with a blank check in hand and negotiate like a cash buyer - giving you the ultimate advantage!

Here’s how the AgFed Express Draft works:

  • Apply – You’ll know your maximum loan amount and your interest rate in minutes!
  • Receive your Express Draft – Get your AgFed Express Draft immediately - which works just like a blank check!
  • Go Shopping – Go to the dealer with your blank check, find the perfect vehicle and negotiate like a cash buyer to get the best deal!

Learn more about the Express Draft.

Already riding in your dream car? Get an auto loan payment that will let you rest easier – refinance today and save!

  • Low rates for Purchase or Refinance
  • Get an Express Draft check for quick and easy purchase at the dealership
  • Terms up to 84 months
  • Low cost GAP protection – learn more about how GAP can help you pay off your loan.
  • Competitively price Route 66 Extended Warranty – Learn more about protecting your bottom line.
  • Get preapproved before going shopping! Financing available for the most recent nine model years plus the current model year.
  • Special refinance program available.

Get the edge on a better car buying experience! No haggling necessary, this free purchase assistance program has pre-negotiated prices on new/used vehicles that's right for you.

Visit United Buying Service (UBS) to get your hassle-free price for your dream ride today!

Protect Your Ride, Your Credit and Reputation.

btn_ProtectYourself_1 Auto (with GAP) Loan Protection Calculator

Protecting what’s important in your life is easy and affordable with AgFed’s Member Loan Protection. This voluntary loan payment protection offers relief from the financial burden of delinquency or default if a protected life event happens to you, such as, disability, involuntary unemployment or even loss of life. Speak with a representative today to enroll.

Auto Loans FAQs

Vehicle Loans

New & Used Cars, Trucks, & Vans

Loan Type Maximum Term APR (1) as low as
Fixed up to 24 months 1.49%
Fixed up to 36 months 1.74%
Fixed up to 48 months 2.24%
Fixed up to 60 months 2.49%
Fixed up to 72 months 2.99%
Fixed up to 84 months 3.49%

Example payment: The estimated monthly payment for a $20,000 new/ used auto loan with a 60 month term at a rate of 2.49% APR is $354.88.

(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.

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