Ride into Fall with a Vehicle Loan at EPFCU and Get 1% Cash Back*
Available through October 31st on purchases and refinances for New or Used Autos, Trucks, Motorcycles or RVs as low a 3.00% APR*
Apply Online or Call 202-318-1991, option 1!
*Applications are subject to credit approval, and actual rate is based on your credit. Not all borrowers will qualify for the lowest rate. Current loan must be from another lender. EPFCU loan balances do not qualify. 1/% cash back (up to $300) is based on loan amount refinanced and is subject to loan approval and closure. Amount is deposited into member’s EPFCU Share or Share draft account after loan closing.
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 Oct 1, 2020
| 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. 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 $18.13 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 Oct 1, 2020
| 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. 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 $18.13 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 Oct 1, 2020
| 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. 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 $18.88 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 Oct 1, 2020
| 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. 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 $18.88 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 Oct 1, 2020
| 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. 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 $18.88 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 202-874-3210 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. 
