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 * ROUTING # 256078446
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AFFINITY TITLE



 1. Home
 2. Auto-Purchase


AUTO - PURCHASE

Shift into drive with a great rate and a pre-qualification


 * Rates as low as 4.49% APR*
 * Up to 125% financing

See if I Pre-qualify

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Won’t affect your credit score1



Purchase
Refinance
Benefits
Benefits
Testimonials
Car Buying Service
Loan Process
Calculator
Rates
Protection
FAQs


AUTO PURCHASE LOAN BENEFITS


BEST-IN-CLASS RATES

Great rates on new and used cars and trucks.




LOAN AMOUNTS UP TO $150K

Get up to 125% financing.




PRE-APPROVAL IN MINUTES

Know what you qualify for before you buy.


See if I Pre-qualify

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Won’t affect your credit score1




WHAT OUR MEMBERS SAY...

“THE APR AND MONTHLY PAYMENTS ARE ACCESSIBLE, AND IT ACCOMMODATES MY NEEDS”
 

– Frank B



“GREAT SERVICE AND FOLLOW UP COUPLED WITH LOW INTEREST RATES FOR ALL PRODUCTS”
 

– Grover F



“BEST RATES, EASY APPLICATION PROCESS, AND CHECKS ARE SENT OUT QUICKLY”
 

– Humberto G






CAR BUYING SERVICE

Let us do the shopping for you. Get discounted pricing and our best rates on
your next vehicle purchase in partnership with TrueCar. Rates starting at 4.49%
APR*.

Search Vehicles




APPLY IN MINUTES

Apply Online

Get Approved

Finalize Loan


See if I Pre-qualify

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Won’t affect your credit score1


ESTIMATE YOUR MONTHLY PAYMENTS

 * New Auto Loan
 * Used Auto Loan

New Auto Loan
 * New Auto Loan
 * Used Auto Loan

Purchase Price
$
Down Payment
$
Term of Loan 36 48 60 72 84
Interest Rate
Trade-In Value
$
Amount Owed on Trade
$
Calculate


$601 A MONTH

Estimated payment (for 36 months at 5.19% APR)
Purchase Price
$20,000.00
Down Payment
$0.00
Trade-In Value
-$0.00
Amount Owed on Trade
+$0.00
 
Total Financed
$20,000
Total Interest
+ $1,641
 
Total Loan
$21,641
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

APPLY NOW

Purchase Price
$
Down Payment
$
Term of Loan 36 48 60 72 84
APR
Trade-In Value
$
Amount Owed on Trade
$
Calculate


$609 A MONTH

Estimated payment (for 36 months at 6.04% APR)
Purchase Price
$20,000.00
Down Payment
$0.00
Trade-In Value
-$0.00
Amount Owed on Trade
+$0.00
 
Total Financed
$20,000
Total Interest
+ $1,917
 
Total Loan
$21,917
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

APPLY NOW



EXPLORE COMPETITIVE AUTO LOAN RATES

Find the right rate and finance term to get the auto loan payment you want.

 



NEW CAR

USED CAR

36
Months
48
Months
60
Months
72
Months
84
Months



NEW CAR BUYING SERVICE



Model Year 2022 or newer & never titled

4.49%*
4.69%*
4.74%*
5.39%*
6.54%*
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.


NEW AUTO PURCHASE

Model Year 2022 or newer & never titled

5.19%*
5.29%*
5.34%*
5.64%*
6.54%*
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.




USED CAR BUYING SERVICE



Pre-owned vehicles or vehicles with over 7,501 miles

5.74%*
5.89%*
5.89%*
5.99%*
6.99%
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.


USED AUTO PURCHASE

Pre-owned vehicles or vehicles with over 7,501 miles

6.04%*
6.14%*
6.14%*
6.24%*
6.99%
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.


NEW CAR BUYING SERVICE



Model Year 2022 or newer & never titled




36 Months
4.49%*
48 Months
4.69%*
60 Months
4.74%*
72 Months
5.39%*
84 Months
6.54%*

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Learn More


NEW AUTO PURCHASE

Model Year 2022 or newer & never titled




36 Months
5.19%*
48 Months
5.29%*
60 Months
5.34%*
72 Months
5.64%*
84 Months
6.54%*

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Learn More


USED CAR BUYING SERVICE



Pre-owned vehicles or vehicles with over 7,501 miles




36 Months
5.74%*
48 Months
5.89%*
60 Months
5.89%*
72 Months
5.99%*
84 Months
6.99%

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Learn More


USED AUTO PURCHASE

Pre-owned vehicles or vehicles with over 7,501 miles




36 Months
6.04%*
48 Months
6.14%*
60 Months
6.14%*
72 Months
6.24%*
84 Months
6.99%

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

Learn More
36
Months
48
Months
60
Months
72
Months
84
Months



NEW AUTO REFINANCE

Model Year 2022 or newer & less than 7,501 miles

5.19%*
5.29%*
5.34%*
5.64%*
6.54%*
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.




USED AUTO REFINANCE

Pre-owned vehicles with over 7,501 miles

6.04%*
6.14%*
6.14%*
6.24%*
-
Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.


NEW AUTO REFINANCE

Model Year 2022 or newer & less than 7,501 miles




36 Months
5.19%*
48 Months
5.29%*
60 Months
5.34%*
72 Months
5.64%*
84 Months
6.54%*

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

LEARN MORE


USED AUTO REFINANCE

Pre-owned vehicles with over 7,501 miles




36 Months
6.04%*
48 Months
6.14%*
60 Months
6.14%*
72 Months
6.24%*
84 Months
-

--------------------------------------------------------------------------------

Apply Now

Not a problem, anyone can join. Apply now and we'll create your membership
during this application.

LEARN MORE

*APR as low as

Your actual APR will be determined at the time of disbursement and will be based
on your application and credit information. Rates quoted assume excellent
borrower credit history. Not all applicants will qualify for the lowest rate.




PROTECT YOUR VEHICLE WITH CONFIDENCE


GAP INSURANCE

Typical car insurance covers damage and theft. But what if your loan is more
than the value of your vehicle? PenFed's GAP Protection covers that difference.

Learn More




EXTENDED WARRANTY

PenFed's Extended Warranty can extend your auto manufacturer's warranty by
picking up where that policy leaves off.


Learn More




DEBT PROTECTION

Life is unpredictable. With PenFed Debt Protection, your family's financial
security is protected in the event you're unable to make timely payments.

Learn More




 


FAQS


HOW DOES APPLYING AFFECT MY CREDIT SCORE?

You can apply and view your prequalified loan offers with no impact to your
credit. If you choose to accept a loan offer, PenFed will ask permission to
obtain a full credit report that will result in a credit inquiry by PenFed
reported to one or more credit bureaus.




DO I NEED TO KNOW THE CAR I PLAN TO PURCHASE BEFORE I APPLY?

No. The first step is to apply for pre-qualification to see the rate(s) and
term(s) you qualify for. Then, once you’ve arranged financing, it’s time to find
your new car. You can go with a dealership of your choice, or you can use the
PenFed Car Buying Service for exclusive members savings.




ONCE I SIGN MY LOAN DOCUMENTS, HOW DO I RECEIVE MY CHECK?

PenFed will send the check directly to you by mail. The check will be made
payable to the dealership or seller.




DOES PENFED HAVE ANY MILEAGE RESTRICTIONS ON FINANCING?

PenFed offers purchase loans on automobiles with fewer than 125,000 miles.




DOES PENFED CHARGE FEES FOR APPLYING OR PAYING OFF THE LOAN EARLY?

No. PenFed will not charge you any fees to apply or pay off your loan early.




FEATURED ARTICLES




SHOULD I BUY A NEW OR USED CAR?


7 COMMON CAR BUYING MISTAKES TO AVOID


HOW TO REFINANCE A CAR LOAN

See All Articles


DISCLOSURES

Rates and offers current as of May 1, 2023 and are subject to change.


1The initial inquiry will be a soft pull that will not affect your credit score.
If you choose to initiate a loan application after checking your rates, you will
be required to authorize a full credit report inquiry, which would be considered
a hard pull and may affect your credit

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of
disbursement and will be based on your application and credit information. Rates
quoted assume excellent borrower credit history. Not all applicants will qualify
for the lowest rate.

New Auto Loans: Loan rate applicable to new vehicles only. New vehicles are
where you are the original owner and the untitled vehicle is model year 2022 or
newer with less than 7501 miles. Up to 125% financing is available in the U.S.
Up to 110% financing is available in Puerto Rico and Virgin Islands. Vehicle
weight and mileage restrictions apply.

Minimum loan amount is $15,000 for 61-72 month term. Minimum loan amount $20,000
for 73-84 month term. Rate also depends on term.

Loan Payment Example: A $20,000 new auto loan financed at 5.34% APR would amount
to 60 monthly payments of approximately $381.51 each.

Used Auto Loans: Maximum used car loan advance will be determined by PenFed
using a JD Power value. Financing is available up to the JD Power valuation plus
tags, title, taxes and extended warranties not to exceed 125% in the U.S. Up to
110% financing is available in Puerto Rico and Virgin Islands. Some restrictions
apply. Call 1-800-247-5626 for details.

For the 84 month loan term, eligible used vehicles must have model years as new
as or newer than the current calendar year minus five years and less than 60,000
miles. 

Rate depends on term. Vehicle weight and mileage restrictions apply. 

Loan Payment Example: A $20,000 used auto loan financed at 6.14% APR would
amount to 60 monthly payments of approximately $ 389.09each.

Refinance Auto Loans: New vehicles are where you are the original owner and the
untitled vehicle is model year or newer with less than 7501 miles. Used vehicles
are pre-owned vehicles or vehicles with over 7501 miles. For used vehicles,
maximum used car loan advance will be determined by PenFed using a JD Power
value. Up to 125% financing is available in the U.S. Up to 110% financing is
available in Puerto Rico and Virgin Islands. PenFed does not permit internal
refinances of an existing PenFed auto loan.

Rate depends on term. Other restrictions including vehicle and mileage
limitations may apply.

Loan Payment Example: A $20,000 new auto loan financed at 5.34% APR would amount
to 60 monthly payments of approximately $ 381.51 each.

PenFed Car Buying Service:

PenFed Car Buying Service is available in all 50 states.

Between 1/1/2020 and 12/31/2020, the average savings off MSRP experienced by
consumers who connected with a TrueCar Certified Dealer through the Pentagon
Federal Credit Union Auto Buying Program and who were identified as buying a new
vehicle from that Certified Dealer was $4,010. Your actual savings may vary
based on multiple factors, including the vehicle you select, region, dealer, and
applicable vehicle-specific manufacturer incentives, which are subject to
change. The MSRP is determined by the manufacturer and may not reflect the price
at which vehicles are generally sold in the dealer's trade area, as many
vehicles are sold below MSRP. Each dealer sets its own pricing.

Loan Payment Example: A $20,000 new auto loan financed at 4.49% APR would amount
to 36 monthly payments of approximately $595.92 each.

PenFed Automobile Deductible Reimbursement

Requires reporting of completed qualified purchases within 45 days of purchase
date. Reimburses what you've paid, if anything, for your automobile insurance
deductible when you file a claim on the purchased vehicle within 365 days of
registering in program. Covers up to $500 2x a year (service not available in
New Hampshire or New York). To learn more about this program see TrueCar's
Program Details and Terms and Conditions.


 * Locations
 * Careers
 * Press Room
 * Foundation
 * Contact Us

--------------------------------------------------------------------------------

This credit union is federally insured by the National Credit Union
Administration. Rates are current as of May 2023 unless otherwise noted and are
subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate

--------------------------------------------------------------------------------

 * 
 * 
 * 
 * 
 * 



Routing #256078446

--------------------------------------------------------------------------------

©2023 Pentagon Federal Credit Union

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IMPORTANT NOTICE

YOU ARE LEAVING PENFED.ORG AND ENTERING A THIRD PARTY WEBSITE THAT IS NOT A PART
OF PENTAGON FEDERAL CREDIT UNION.


The content you are about to view is produced by a third party unaffiliated to
Pentagon Federal Credit Union. PenFed takes no responsibility for the content of
the page.


IMPORTANT NOTICE

YOU ARE LEAVING PENFED.ORG AND ENTERING A THIRD PARTY SITE. PENFED REALTY, LLC
IS WHOLLY OWNED BY PENFED AND THIS REFERRAL MAY PROVIDE PENFED A FINANCIAL OR
OTHER BENEFIT.


For more information about the relationship between PenFed and PenFed Realty,
LLC, see the Affiliate Business Arrangement Disclosure.




IMPORTANT NOTICE

YOU ARE LEAVING PENFED.ORG AND ENTERING A THIRD PARTY WEBSITE.


The content you are about to view is produced by a third party website that is
unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility
for the content of the page.


IMPORTANT NOTICE

YOU ARE LEAVING PENFED.ORG AND ENTERING A THIRD PARTY SITE. PENFED TITLE, LLC IS
WHOLLY OWNED BY PENFED AND THIS REFERRAL MAY PROVIDE PENFED A FINANCIAL OR OTHER
BENEFIT.


For more information about the relationship between PenFed and PenFed Title,
LLC, see the Affiliate Business Arrangement Disclosure.




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