Vehicle Loans

Sure, Freedom offers competitive financing terms and rates on automobiles, but we also help people finance motorcycles, RVs, and boats! On top of that, we’ve got a great program for refinancing auto loans from other financial institutions to lower your rate and save you money.

Auto Loans

(New or Used vehicle, auto, truck or van)

  • Get pre-approved before you shop by applying in any Freedom branch, or take advantage of on-site financing through Freedom at any of our Auto dealer partners
  • See our AutoSmart page for assistance finding a great new or used car
  • Reduce your auto loan rate by .25% when you enroll in e-Statements, and arrange for an automated loan payments1
  • Talk with us about a first-time auto buyer program
  • Freedom has a  90-day No-Pay option2 (available only on auto loans)
  • Skip a Pay4 for a $35 fee per payment skipped.To request to Skip a payment on your loan(s), simply download and complete the Skip-A-Pay Application Form then follow the instructions for submitting.
  • See our list of Preferred Dealers for your next auto.

RATES

Current Auto Loan Rates

Calculators

How Much Car Can You Afford?

Calculate Auto Loan Payments

Auto Refinance

Let Freedom give your budget a boost. Save money and lower your monthly payments by refinancing a current loan with another financial institution to Freedom. Call 800-440-4120 or email memberservices@freedomfcu.org to discuss how we can save you money!

Apply for an Auto Loan

Other Vehicles

Want to finance a new or used motorcycle or boat, or a new RV? We can help.

Flexible term options

Call 800-440-4120 to apply or ask questions, apply online, or visit any Freedom location to get pre-approved.

Disclosures

1 0.25% discount available for members who establish e-Statements, and automated loan payments. Automated payment must cover monthly loan payment amount.

2 First payment may be deferred for 90 days. Interest will continue to accrue from the date of loan disbursal due once payments begin. Available on select auto loans. Not all applicants will qualify for the 90-day deferred payment. Certain restrictions apply. Speak with representative for complete details.

3 APR = Annual Percentage Rate. Minimum APR is 1.99% with e-Statements, and automated loan payment. Floor rate is 2.24% without e-Statements and automated loan payments. All rates are subject to credit criteria. Actual rates are based on individual creditworthiness.

4 Skip-A-Pay is limited to twice a year with a maximum of six over the life of the loan. All requests are subject to approval by Freedom’s Loan Department.