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Need a new car, SUV or truck? EPFCU is your best source for financing!

We offer loans for new and used vehicles with:

  • Rates as low as 1.99%
  • Up to 100% financing
  • Terms up to 84 months
We also finance motorcycles, mobile homes, boats and RVs.
Our rates are always competitive, and we offer additional options for reducing them even more!

Vehicle Loan Rates

Effective Apr 1, 2018Print

Loan Type Term APR* Est. Payment
per $1000
New Auto / Truck Up to 48 months 1.99% $21.69/
48 Mos.
Used Auto / Truck Up to 72 months 2.99% $22.13/
48 Mos.
New Motorcycle Up to 30 months 7.00% $36.43/
30 Mos.
Used Motorcycle Up to 18 months 7.50% $58.91/
18 Mos.
New Boat Up to 96 months 9.00% $14.65/
96 Mos.
Used Boat Up to 72 months 9.50% $18.27/
72 Mos.
New Recreational Vehicle Up to 96 months 8.75% $14.52/
96 Mos.
Used Recreational Vehicle Up to 72 months 9.25% $18.15/
72 Mos.
New Mobile Home
(Primary Residence)

New Mobile Home
Up to 144 months

Up to 96 months

144 Mos.

96 Mos.
Used Mobile Home Up to 96 months 9.50% $14.91/
96 Mos.
*APR=Annual Percentage Rate. Rates stated are as low as. Actual rate may vary and is based on applicant’s credit score.

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:

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 An EZ solution for insurance verification. 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.

How do you get an extended service contract?
  • Contact your credit union loan representative at 202-874-3210.
  • Call Auto Exam toll free at 800-709-5792.
  • Visit for more information.

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