New & Used Auto Loans
As low as 3.99% APR* for 36 months, whether you purchase a car or refinance your car.
Apply Today
LOOKING TO SAVE ON YOUR NEXT CAR? Refinance your current car loan or purchase a new one with rates as low as 3.99% APR* for 36 months!
Choose your ride!
New & Used Auto Loans
We offer financing for both new and new-to-you motorcycles and cars, with flexible terms and convenient payment options designed just for you. Let’s make that dream ride a reality!
Refinance
If you love your car, but not your car loan, see if refinancing makes sense for your budget. Refinancing can help you save money or pay off your auto loan sooner.
Auto Loan Insurance
Learn more about our GAP (Guaranteed Asset Protection) Insurance, an optional debt protection designed to safeguard your new/existing loan(s).
Auto Loan Rates
Used Auto Loans
| Term | APR with Auto Pay As Low As* | Payment per $1,000 |
| Up to 36 months | 3.99% | 29.53 |
| 37 - 48 months | 4.24% | 22.69 |
| 49 - 72 months | 4.49% | 15.88 |
New Auto Loans
| Term | APR with Auto Pay As Low As* | Payment per $1,000 |
| Up to 36 months | 3.99% | 29.53 |
| 37 - 48 months | 4.24% | 22.69 |
| 49 - 72 months | 4.49% | 15.88 |
| 73 - 84 months | 4.74% | 14.02 |
Recreational Vehicles
| Term | APR with Auto Pay As Low As* | Payment per $1,000 |
| Up to 120 months | 7.74% | 12.00 |
Drive your payments in the right direction!
Still looking for your dream car? Let us run the numbers and see if we can save you money on your auto loan payments. Our low loan rates are hard-to-beat!
Join the QCU family of members
Become a member and open a totally free checking account with us. You’ll earn an interest rate discount on eligible consumer loans with automatic payment from a QCU account.
*APR = Annual Percentage Rate. Loan rates currently in effect and are subject to change at any time. Loan applicants must be at least 18 years old to apply. *Auto pay discounted rate must come for a QCU checking account. Your APR, term and approved loan amount may vary based on your credit worthiness. Payment examples based on the maximum for each product. Please ask a loan representative for details regarding how your rate is determined. Membership eligibility requirements apply. $5.00 Primary Share Account required for membership.
Quincy Credit Union (QCU) offers auto loan refinancing only for loans originally financed through another lender. Existing QCU auto loans are not eligible for refinancing. Eligibility requirements, terms, and conditions apply. Membership required.