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New and Used Auto Loans

Auto Loans

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!

Receive a $50 VISA® Gift Card When You Finance Your Car with Us!2 Use promo code 0120 when applying.

For a limited time only, you'll receive a $50 VISA® gift card when purchasing or refinancing a new or used vehicle!2

Features of an AgFed Auto Loan:

Financing options on new and used vehicles
Free purchase assistance program for pre-negotiated prices through United Buying Service (UBS)
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

Auto Loan FAQs

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2019 - 2020	Fixed	Up to 36 months	2.49%
2019 - 2020	Fixed	Up to 48 months	3.49%
2019 - 2020	Fixed	Up to 60 months	3.49%
2019 - 2020	Fixed	Up to 72 months	3.99%
2019 - 2020	Fixed	Up to 84 months	4.49%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 3.49% APR is $363.76.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2014 - 2018	Fixed	Up to 36 months	3.49%
2014 - 2018	Fixed	Up to 48 months	3.99%
2014 - 2018	Fixed	Up to 60 months	4.04%
2014 - 2018	Fixed	Up to 72 months	4.49%
2016 - 2018	Fixed	Up to 84 months	5.49%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 4.04% APR is $368.37.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2011-2013	Fixed	Up to 60 months	6.50%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 6.50% APR is $391.37.

(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.

(2) This is a limited time offer. AgFed reserves the right to terminate or amend this and other offers at any time without notice. Member must finance or refinance a minimum of $10,000 between January 1, 2020 and February 29, 2020 to receive a $50 VISA® gift card. The gift card will be mailed to the member 15 days after loan closing. No cash out. This offer cannot be combined with other offers. Use promo code 0120 when applying.

** New vehicles are the 2 latest model years, currently 2019 and 2020. Used vehicles are currently 2014 model year to 2018 for terms up 72 months and 2016 model year to 2018 for terms up to 84 months.. Financing is available up to 125%. Minimum loan amount for 72 month term is $30,001.00. Minimum loan amount for 84 month term is $40,001.00.

*** Older used vehicles are the 3 oldest model years, currently 2011 to 2013. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

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