Home - ANECA Federal Credit Union

New & Used Vehicle Loans

Aytime Auto Loan. New, Used, Refinance. Low rates plus no payments for 90 days. Apply Now.

REFInance OR PURCHASE your vehicle

with our competitive Rates & benefits


ANECA wants to help you secure the lowest possible monthly payment for your auto loan. We offer highly competitive rates and flexible terms, making it easy to save time and money whether you're refinancing an existing loan or buying a new or used vehicle. Enjoy the benefits of local decisioning, pre-approval for enhanced dealership bargaining power, and the potential to significantly lower your rate by refinancing your current auto loan.

apply now   view rates   calculate your loan

LIMITED TIME OFFER. Rates and terms subject to change. Not every member will qualify for the lowest rate and/or longest term. Other rates and terms available. Interest accrues from the date of loan closing. Current auto loans with ANECA may not eligible, see your Member Service Representative to find out if you qualify. Member restrictions apply. Federally insured by NCUA.

 

FREE Vehicle Research Service

ANECA Members enjoy a free vehicle research service. Save time by exploring vehicles online. You can shop, research, find the value of your current vehicle or the vehicle you're interested in, and even get protection options, all without going from dealer to dealer.

find your next vehicle 

 

How We're Different

  • Rates as low as
    6.49% APR*

    Loan terms

    up to 72 months

  • Enjoy Flexible
    Skip-A-Pay Options

    Make NO payments

    for 90-days**

  • Swift Application Process

    Pre-approval up to

    30 days before closing; 

    local decisioning. 

  • Loan Terms

    Financing with

    repayment terms that

    fit your budget

  • Pre-Approval Available

    For extra

    bargaining power

    at the dealership

  • Protection Plan Options

    Member Choice Extended

    Warranty, GAP, Credit Life

    & Disability coverage

Let's Get You Started

  • Existing Members

    Apply for your loan online or via Online or Mobile Banking.

    APPLY FOR A LOAN

  • Not A Member?

    Click below to apply & get qualified. Then, your loan makes you a member!

    BECOME A MEMBER

  • Need Help?
    We've Got You.

    We are here to assist & answer your questions.

    CONTACT US

The Final Steps

  • We'll Be In Touch

    A Member Service Representative will be in contact to help complete your loan. 

  • Select Your Peace of Mind

    Pick your level of protection— GAP, MRC, Credit Life and/or Credit Disability.

  • Close Your Way

    Sign your documents electronically or stop by your nearest office to close on your loan 

Fuel Your Ride: Redeem your ANECA Rewards Points for fuel right at the pump. Use your debit or credit card for everyday purchases and turn points into gas. #GnicksGnotes

DISCLAIMERS *Rates and loan terms subject to credit approval. Other conditions may apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.
Payment Example: A $20,000 auto financed at 6.49% Annual Percentage Rate (APR) for a 60-month term – estimated monthly payments of $392.00. 
Requirements: Loan will be approved through normal underwriting guidelines.
Eligible Loan Types: New and Used vehicles.
Loan Amount: Loan amounts will vary based on credit, income, employment, etc. ANECA will work to help find an amount with a payment you are comfortable with.
**Repayment Terms: Terms will vary by loan type, loan amount, credit score, collateral value, age and milage up to maximum terms of 72 months with up to 90-days before your first payment.
Interest Rates: Rates are determined by the member’s credit score, the loan term, age, mileage and Loan-to-Value (LTV) of the vehicle.
Fees: There are no processing fees.
Early Payoff Penalty: None.

find your next ride