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Auto Loans

Great rates and an easy online application. It’s time to get behind the wheel of a new car.

Apply Now

The Many Benefits of Freedom Auto Loans

Whether you’re buying new, used, or even refinancing, we have the perfect auto financing for you. Plus, when financing with Freedom Credit Union, you’ll always get outstanding local service and benefits like our TrueCar® auto buying service.

Up to 100% financing,
including tax and tags

Rates starting as low
as 1.99% APR*

No loan prepayment

Same low rate for new
or used vehicles

Quick and easy
online application

Optional loan payment
protection available

Calculate Your Low Monthly Payment

See how affordable a new car can be. Check out our low rates and then calculate your monthly payment. From there, pre-approval is only minutes away.

Estimated Monthly Payment

Loan Amount
Term (Months)

Applying is as simple as..



Apply Online

Quick and easy online


Sign Your Loan

Agree to the loan amount,
rates, and terms


Get a Check

Use your check to buy
your new car.

Shop for a Car

Find your ride, then apply.

“Freedom gave me an auto-loan which allowed me to keep my car and helped me to live and work. I just paid off that auto-loan. Now I’m back on my feet and Freedom helped me get there!”

Auto Loan Frequently Asked Questions

  • Yes. But becoming a credit union member is quick and easy. You can apply for membership in minutes, and membership comes with countless benefits like special discounts and community programs.

  • Several factors play a role in determining how much you can borrow. Our loan team looks at things like your credit score, income, expenses, and any down payment you plan to make.

    But getting pre-approved to learn how much you’ll qualify for is quick and easy. You can click here to get started.

  • To start, we recommend using our monthly payment calculator. That will give you a general idea. But the next step is to apply and get pre-approved, so you’ll know exactly how much your monthly payment will be.

  • Yes! We partner with TrueCar® to help you save time and money. You can start car shopping here.

  • That’s easy. Just click here.

  • Our auto loan terms range from 1 to 84 months. With that flexibility, we know you’ll find the perfect term to fit your needs.

  • Our auto loan application is quick and easy. We’ll ask you to provide information like how much you want to borrow and how long you want to borrow it for. Then we’ll have you enter your personal information, including income and employment history. After you complete the application, we’ll get back to you in about 48 hours.

    Simply click here to get started.

  • Yes. You can read more about our auto refinance loans here. And we’re always happy to help you save money or find loan terms to fit your life or budget better.

From luxury sedans to 10-seater vans


Auto Loans – Clone Disclosures

*APR=Annual Percentage Rate. Rates accurate since 12/15/20. The interest rate you receive will be based on your credit history. APR will not be less than 1.99% for new cars or used cars, or greater than 18.00%. Payment Example: Monthly payments for a $20,000 Auto loan at 2.99% APR for a term of 5 years would result in 60 monthly payments of $359.70. Satisfactory vehicle insurance required. Freedom Loans and Lines of Credit can’t be refinanced and other conditions may apply. Terms and rates are subject to change without notice.