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EPFCU is your best source for financing your next auto, motorcycle or boat!

EPFCU Spring Auto Loan Promotion

Starting March 1, 2021


Whether you're buying the car you want or refinancing the car you have, we want to help you save with:


  • Rates as low as 3.00% APR1
  • 5,000 bonus epSMART REWARDS points2
  • Don't have an epSMART REWARDS Mastercard®? No problem! Apply today3

    Apply Online or Call 202-318-1991, option 1




    1APR = Annual Percentage Rate.
    2Qualifying epSMART REWARDS credit cardholders who close on an auto loan March 1 - May 31, 2021 will receive 5,000 points. Points will be deposited into cardholder’s epSMART REWARDS account after loan closing. Credit card applications are subject to terms, conditions and credit approval. Please visit epfcu.org/creditcard for full terms and conditions.
    3Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Current auto loan must be from another lender. EPFCU loan balances do not qualify. Other restrictions and discounts may apply.

    We offer loans for new and used vehicles with:

    • Rates as low as 3.00% APR*
    • Up to 100% financing
    • Terms up to 84 months
    We also finance motorcycles, boats and RVs.
    Our rates are always competitive, and we offer additional options for reducing them even more!

    Thinking about going green?

    Check out our SmartWay Loan Discount.

    New Auto, Truck & Motorcycle Loan Rates

    Effective Apr 1, 2021Print

    Term APR* Est. Monthly Payment
    per $1000
    Up to 36 Months 3.00% $29.09/36 Mos.
    Up to 48 Months 3.15% $22.21/48 Mos.
    Up to 60 Months 3.35% $18.13/60 Mos.**
    Up to 72 Months 3.55% $15.42/72 Mos.
    Up to 84 Months 3.75% $13.56/84 Mos.
    *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
    **Monthly payment example: A loan of $20,000 financed for 60 months would be $18.13 x 20 = $362.60 per month; your loan will have a total cost of $21,756.00 ($362.60 x 60).

    Used Auto, Truck & Motorcycle Loan Rates

    Effective Apr 1, 2021Print

    Term APR* Est. Monthly Payment
    per $1000
    Up to 36 Months 3.25% $29.20/36 Mos.
    Up to 48 Months 3.40% $22.32/48 Mos.
    Up to 60 Months 3.60% $18.24/60 Mos.**
    Up to 72 Months 3.80% $15.56/72 Mos.
    Up to 84 Months 4.00% $13.67/84 Mos.
    *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
    **Monthly payment example: A loan of $20,000 financed for 60 months would be $18.13 x 20 = $362.60 per month; your loan will have a total cost of $21,756.00 ($362.60 x 60).

    New Boat & Recreational Vehicle Loan Rates

    Effective Apr 1, 2021Print

    Term APR* Est. Monthly Payment
    per $1000
    Up to 36 Months 4.50% $29.76/36 Mos.
    Up to 48 Months 4.75% $22.93/48 Mos.
    Up to 60 Months 5.00% $18.88/60 Mos.**
    Up to 72 Months 5.35% $16.28/72 Mos.
    Up to 84 Months 5.75% $14.50/84 Mos.
    Up to 120 Months 6.25% $11.24/120 Mos.
    Up to 180 Months 7.50% $9.28/180 Mos.
    *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
    **Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

    Used Boat & Recreational Vehicle Loan Rates

    Effective Apr 1, 2021Print

    Term APR* Est. Monthly Payment
    per $1000
    Up to 36 Months 4.50% $29.76/36 Mos.
    Up to 48 Months 4.75% $22.93/48 Mos.
    Up to 60 Months 5.00% $18.88/60 Mos.**
    Up to 72 Months 5.35% $16.28/72 Mos.
    Up to 84 Months 5.75% $14.50/84 Mos.
    Up to 120 Months 6.25% $11.24/120 Mos.
    Up to 180 Months 7.50% $9.28/180 Mos.
    *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
    **Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).

    New and Used Small RV Loan Rates

    Effective Apr 1, 2021Print

    Term APR* Est. Monthly Payment
    per $1000
    Up to 36 Months 4.50% $29.76/36 Mos.
    Up to 48 Months 4.75% $22.93/48 Mos.
    Up to 60 Months 5.25% $19.00/60 Mos.
    Up to 72 Months 5.75% $16.46/36 Mos.
    Up to 84 Months 6.25% $14.74/36 Mos.
    Includes ATVs, UTVs, Snowmobiles, Dirt Bikes, Golf Carts, and Personal Watercrafts.
    *APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
    **Monthly payment example: A loan of $20,000 financed for 60 months would be $18.88 x 20 = $377.60 per month; your loan will have a total cost of $22,656.00 ($377.60 x 60).
    †Boat Loans are available only for boats 26 feet in length and less.

    Get started today


    Car-Buying Resources

    EPFCU participates with trusted outside resources to make your vehicle purchase the best it can be! We have articles, videos, and podcasts chock-full of tips and hints, as well as tools to search the area for the car that fits your preferences. Learn more.

    TruStage® Auto Insurance Program

    The TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Learn more.

    Vehicle Insurance Verification

    ProofEZ.com: An EZ solution for insurance verification. ProofEZ.com is here to make sure the submission of your insurance verification documents is simple.

    Loan Protection Products

    GAP Protection protects you against losses if your car is stolen or totaled, and Debt Protection helps if you're ever injured or disabled and can't make your loan payment. Both are available when you apply for your loan. Learn more.

    Vehicle Extended Service Contracts

    Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Learn more.

    Convenient Payment Options

    Set up automatic payments through Online Bill Pay or make a payment with a card via phone at 202-318-1991 or at any branch location. We accept Mastercard credit cards, as well as Mastercard and Visa debit cards. Card payments offer same-day posting and there is no fee for the service.


    Insurance options outlined on this page are NOT:

    • Insured by NCUA
    • Underwritten, issued or guaranteed by NCUA or any other federal government agency
    • Required to purchase as a condition of the loan

    ††You must be eligible for membership in EP Federal Credit Union in order for your loan application to be considered. See our eligibility requirements.
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