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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!

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

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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
2021 - 2022	Fixed	Up to 36 months	1.99%
2021 - 2022	Fixed	Up to 48 months	2.24%
2021 - 2022	Fixed	Up to 60 months	2.49%
2021 - 2022	Fixed	Up to 72 months	2.99%
2021 - 2022	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 2.49% APR is $354.92.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2016 - 2020	Fixed	Up to 36 months	2.24%
2016 - 2020	Fixed	Up to 48 months	2.74%
2016 - 2020	Fixed	Up to 60 months	2.99%
2016 - 2020	Fixed	Up to 72 months	3.74%
2017 - 2020	Fixed	Up to 84 months	5.24%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 2.99% APR is $359.36.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2013-2015	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.

*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 2021 and 2022. Used vehicles are currently 2016 model year to 2020 for terms up 72 months and 2017 model year to 2020 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 2013 to 2015. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

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