New & Used Automobile Rates

At Robins Financial Credit Union we offer competitive rates on a full range of loans and deposit products.

Rates Table
Loan Type & Term APR* Comments
New/Current Year (under 15,000 miles)
36 months 3.35% to 18.00%
48 months 3.40% to 18.00%
60 months 3.49% to 18.00%
66 months 3.65% to 18.00% Amount Financed > $12,000
72 months 3.79% to 18.00% Amount Financed > $15,000
84 months 4.95% to 18.00% Amount Financed > $30,000
Used Auto 1 - 3 years old (2018 - 2015)
36 months 3.35% to 18.00%
48 months 3.45% to 18.00%
60 months 3.59% to 18.00%
66 months 3.75% to 18.00% Amount Financed > $12,000
72 months 3.95% to 18.00% Amount Financed > $15,000
Used Auto 4 - 5 years old (2014 - 2013)
36 months 4.25% to 18.00%
48 months 4.35% to 18.00%
60 months 4.45% to 18.00%
66 months 4.95% to 18.00% Amount Financed > $12,000
Used Auto 6 years and older (2012 - 2010)
36 months 5.25% to 18.00% See below**
48 months 5.45% to 18.00%
60 months 5.75% to 18.00% Amount Financed > $12,000
66 months 6.25% to 18.00% Amount Financed > $15,000

Whether your purchasing a new or used vehicle, or if you’re interested in refinancing your current auto loan, you’ll find some of the lowest rates to help you put more money in your pocket. Apply online, at any of our branch locations, or by phone at 478-923-3773 or toll free at 800-241-2405.

*Annual Percentage Rate. Rates are based on credit worthiness, so your rate may differ. New & Used Automobile loan rates range from 2.85% to 18.00% APR. Payment Example: A loan amount of $20,000 for 36 months has a payment range of $581 to $724 and finance charge range from $892 to $6047.

**Used autos over 7 years old may be considered with a max term of 36 months.

Contact the Credit Union for further information on applicable fees and terms. Rates as of September 17, 2018. All rates are subject to change. Your actual interest rate may vary depending on your credit history. For all the products and services described herein, conditions and credit approval may apply. Eligibility required.