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

Drive Away with Savings

Save when you buy a new or used vehicle or refinance your current auto loan from another lender, and earn 5,000 bonus points** on the epfcu SMART REWARDS Mastercard.

Don’t have an epfcu SMART REWARDS Mastercard?


Apply for smart rewards
**Refinances of existing EPFCU auto loans are not eligible for the 5,000 EPFCU SMART REWARDS points offer. Points will be added to cardholder's EFPCU SMART REWARDS Mastercard® account within 30 days of Auto Loan closing. Visit epfcu.org for additional terms and conditions.

We offer loans for new and used vehicles with:

  • Rates as low as 5.00% 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 May 1, 2024Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 5.00% $29.98/36 Mos.
Up to 48 Months 5.00% $23.03/48 Mos.
Up to 60 Months 5.25% $18.99/60 Mos.
Up to 72 Months 5.75% $16.46/72 Mos.
Up to 84 Months 6.50% $14.86/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.

Used Auto, Truck & Motorcycle Loan Rates

Effective May 1, 2024Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 5.25% $30.09/36 Mos.
Up to 48 Months 5.25% $23.15/48 Mos.
Up to 60 Months 5.50% $19.11/60 Mos.
Up to 72 Months 6.00% $16.58/72 Mos.
Up to 84 Months 6.75% $14.98/84 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.

New Boat & Recreational Vehicle Loan Rates

Effective May 1, 2024Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 6.50% $30.66/36 Mos.
Up to 48 Months 6.50% $23.72/48 Mos.
Up to 60 Months 7.00% $19.81/60 Mos.
Up to 72 Months 7.50% $17.30/72 Mos.
Up to 84 Months 8.75% $15.97/84 Mos.
Up to 120 Months 9.50% $12.95/120 Mos.
Up to 180 Months 10.50% $11.06/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.

Used Boat & Recreational Vehicle Loan Rates

Effective May 1, 2024Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 6.50% $30.66/36 Mos.
Up to 48 Months 6.50% $23.72/48 Mos.
Up to 60 Months 7.00% $19.81/60 Mos.
Up to 72 Months 7.50% $17.30/72 Mos.
Up to 84 Months 8.75% $15.97/84 Mos.
Up to 120 Months 9.50% $12.95/120 Mos.
Up to 180 Months 10.50% $11.06/180 Mos.
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.

New and Used Small RV Loan Rates

Effective May 1, 2024Print

Term APR* Est. Monthly Payment
per $1000
Up to 36 Months 8.25% $31.46/36 Mos.
Up to 48 Months 9.25% $25.01/48 Mos.
Up to 60 Months 10.25% $21.38/60 Mos.
Up to 72 Months 11.25% $19.17/72 Mos.
Up to 84 Months 12.50% $17.93/84 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. Not all will qualify for a loan. Not all will qualify for the lowest rate. Advertised APR includes a 0.25% APR discount for automatic payments and 0.25% for payment protection. All rates are subject to change without prior notice. Other restrictions and discounts may apply.
†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 about Car Buying Resources.

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 about TruStage Auto Insurance.

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 about Loan Protection.

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 about Vehicle Extended Service.

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 membership eligibility requirements.
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