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We make getting the vehicle you want easier, with rates starting at 4.94% APR1.

Apply online

You deserve a better auto financing experience.

Affinity is a credit union—a not-for-profit financial cooperative that exists to serve members because we're owned by our members. When you finance through Affinity, there are no application fees or pre-payment penalties, and we'll even give you a 0.25% APR1 rate discount when you set up automatic loan payments1.

vehicle coverage

Limited-Time Offer: Save Up to $180

In celebration of Affinity’s 90th anniversary, we’re giving you even more reasons to finance your next vehicle with us! For a limited time, enjoy $90 off Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection Insurance when you finance with Affinity.2

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THREE REASONS TO CHOOSE AFFINITY FOR YOUR AUTO LOAN

45-day preapprovals let you shop with confidence

Preapproval lets you lock in your rate and loan amount, so you can take your time to find the perfect new car, truck, or SUV.

Competitive rates and terms of up to 96 months1

Our member-only rates and flexible terms give you more options, so you can find the option that fits your financing needs.

Financing, even if you owe money on your current vehicle

Still owe money on your current car, truck or SUV after trade-in? We may be able to help.

HOW TO APPLY FOR AN AFFINITY AUTO LOAN

1
Join our credit union
Our finance rates and other banking resources are only for members. Joining is easy: Join online or call us at 800.213.5003.
2
Get your free approval
To lock in your rate for 45 days—or finance a car you've already found—click here to apply online.
3
Protect your vehicle
We offer GAP insurance to help protect you from the unexpected. And, we can even help you get auto insurance.
Auto Dealerships

Find Your Next Vehicle

Affinity has partnered with top dealerships across the tri-state area to bring you a seamless and exciting car shopping experience.

Find a Dealership

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Frequently asked questions about new auto loans

Who can apply for a vehicle loan?

You must be an Affinity Federal Credit Union member and be 18 years of age or older.

Is there a prepayment penalty if I pay my loan off early?

No. Affinity does not charge prepayment penalties on auto loans.

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1 APR = Annual Percentage Rate. Rate is effective as of 02/18/2025. Advertised rate includes 0.25% reduction off the standard interest rate when you set up automatic payments from your Affinity account. The rate without automatic payments will be higher. Other rates and terms available.

Monthly payment amounts vary by term and rate. For example, the minimum payment for a $20,000 loan with a term of 60 months and 5.29% APR has an estimated monthly payment of $379.42. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Maximum loan term restrictions may apply. Rates and terms are subject to change without notice. Vehicles eligible for new auto loan rates are current or previous model year or newer, with fewer than 2,500 miles. Interest accrues from the date the loan is funded. All loans are subject to credit review and approval. Must be a member in good standing and meet all lending requirements.

2Receive a $90 discount toward Guaranteed Asset Protection (GAP) insurance and a $90 discount on Mechanical Breakdown Protection when you finance a new or used auto vehicle with Affinity, including auto loan refinances from another financial institution. Maximum discount of $180 when you choose both vehicle protection options. Coverage must be selected before loan closing. Coverage is optional and not a loan requirement. If you do not purchase vehicle protection options, you will forfeit the discount. Affinity reserves the right to modify or cancel this offer at any time. This offer is not available on the refinancing of an existing Affinity auto loan or to members with an Affinity auto lease through our partnership with Credit Union Leasing of America (CULA). Offer is non-transferable. Void where prohibited by law.