Vehicle Loans

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

We offer loans for new and used vehicles with:

Rates as low as 3.25% 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!

New Auto, Truck & Motorcycle Loan Rates

Effective Dec 1, 2018

Term	APR*	Est. Monthly Payment per $1000
Up to 36 Months	3.25%	$29.19/36 Mos.
Up to 48 Months	3.50%	$22.36/48 Mos.
Up to 60 Months	3.75%	$18.30/60 Mos.**
Up to 72 Months	4.00%	$15.65/72 Mos.
Up to 84 Months	4.50%	$13.90/84 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. Rates shown are our Platinum Loan Rates. Other restrictions and discounts may apply.

**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.30 x 20 = $366.00 per month; your loan will have a total cost of $21,960.00 ($366.00 x 60).

Used Auto, Truck & Motorcycle Loan Rates

Effective Dec 1, 2018

Term	APR*	Est. Monthly Payment per $1000
Up to 36 Months	3.50%	$29.30/36 Mos.
Up to 48 Months	3.75%	$22.47/48 Mos.
Up to 60 Months	3.90%	$18.37/60 Mos.**
Up to 72 Months	4.15%	$15.71/72 Mos.
Up to 84 Months	4.75%	$14.02/84 Mos.

**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.37 x 20 = $367.40 per month; your loan will have a total cost of $22,044.00 ($367.40 x 60).

New Boat & Recreational Vehicle Loan Rates

Effective Dec 1, 2018

Term	APR*	Est. Monthly Payment per $1000
Up to 36 Months	4.50%	$29.75/36 Mos.
Up to 48 Months	4.75%	$22.92/48 Mos.
Up to 60 Months	5.00%	$18.87/60 Mos.**
Up to 72 Months	5.35%	$16.27/72 Mos.
Up to 84 Months	5.75%	$14.49/84 Mos.
Up to 120 Months	6.25%	$11.23/120 Mos.
Up to 180 Months	7.50%	$9.27/180 Mos.

**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.87 x 20 = $377.40 per month; your loan will have a total cost of $22,644.00 ($377.40 x 60).

Used Boat & Recreational Vehicle Loan Rates

Effective Dec 1, 2018

Term	APR*	Est. Monthly Payment per $1000
Up to 36 Months	4.50%	$29.75/36 Mos.
Up to 48 Months	4.75%	$22.92/48 Mos.
Up to 60 Months	5.00%	$18.87/60 Mos.**
Up to 72 Months	5.35%	$16.27/72 Mos.
Up to 84 Months	5.75%	$14.49/84 Mos.
Up to 120 Months	6.25%	$11.23/120 Mos.
Up to 180 Months	7.50%	$9.27/180 Mos.

**Monthly payment example: A loan of $20,000 financed for 60 months would be $18.87 x 20 = $377.40 per month; your loan will have a total cost of $22,644.00 ($377.40 x 60).

†No payment for 90 days on Boat and Motorcycle Loans.
†Boat Loans are available only for boats 26 feet in length and less.

Get started today:

Car-Buying Services

EPFCU participates with trusted outside resources to make your vehicle purchase the best it can be! Check out these services:

AutoSMART: Locate new and used autos from local dealerships and apply for your loan online.
United Buying Service: Get discounted prices and extra savings with rebates and incentives.
National Automobile Dealer Association: Check out this guide to find out what your trade-in is worth.
SmartWay Certification: Choose an environmentally friendly vehicle, rated by EPA .

TruStage^® Auto Insurance Program

Exclusively for credit union members like you, 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.

Get your free quote today or call 1-855-483-2149.

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

AHE, AHL-1339661.1

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 Coverage

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you are still liable to pay the difference, or the "gap” between your insurer’s settlement and the loan balance. Guaranteed Asset Protection (GAP) coverage pays the difference for you.

In addition, members who have GAP coverage and experience a loss receive $1,000 toward the balance of their next vehicle when they choose to finance with EPFCU again.

Our GAP coverage is offered through a highly reputable provider at half the cost you will pay at a dealership. You can sign up for GAP when you apply for your vehicle loan at EPFCU. If you already have an EPFCU vehicle loan, and want to add GAP coverage, call the Loan Department at 202-874-3210, option 3.

Cost for coverage is $375.00 and subject to change. Please call for current cost. Coverage is only available on loans with EP Federal Credit Union.

Credit Life and Disability

Purchase insurance at the time of loan disbursal to be sure your family will not be burdened with repayment of your loan should you become deceased or disabled. Loan rate discounts may be available if you purchase Credit Life and Disability when you apply for your loan at EPFCU.

Vehicle Extended Service Contracts

Put the brakes on expensive car repairs with extended service contracts through our partnership with Auto Exam. A factory warranty may not be enough. Plus most major repairs occur after the manufacturer's warranty expires. Consider adding an extended service contract to your loan. Coverage obtained through the Credit Union may save you money when compared to dealer plans.

Available features include:

Low deductibles
Roadside assistance services (Platinum Coverage Only)
Car rental (Gold and Platinum Coverage Only)
Nationwide protection (US and Canada)
Convenient access to services via toll-free number
Reimbursed travel expenses (Gold and Platinum Coverage Only)
Increased vehicle resale value

Why purchase an extended service contract?

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. Pre-owned car buyers look more favorably upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer decline the option to purchase your coverage, you can cancel and apply for a pro-rata refund.