Vehicle Loan Center

New & Used Auto Loans

Maybe it’s your first car purchase (new or used), a car with a little more muscle, one that’s environmentally friendly, or more luxurious — we’ll put you in the driver’s seat with a variety of auto financing options.

Our AutoDraft Is Your Ticket to Buy

Looking for confidence to negotiate the best price on a vehicle that you know you can afford? Look no further than our AutoDraft, given to Members who are pre-approved for a new or used vehicle.

You’ll score a low interest rate loan with no hidden fees. Plus, you’ll know exactly what you can afford. Simply take your AutoDraft to any dealership and purchase like a cash buyer.

Same great terms as our new and used vehicle loans
Autodraft is valid for 60 days
Accepted by any dealership
Good as cash, which allows you to negotiate your best deal
Borrow up to 110% of the cost for a new vehicle, and up to 110% of the NADA Car Guide retail value for a used vehicle**
No penalties for early loan pay off

How it Works: Just 3 Easy Steps

Apply Online, In Person or On the Phone — it’s fast and free.
Once approved, receive your loan package by mail as soon as the next day.
Make the Auto Draft payable to the dealer and drive away!

What would my monthly payment be?

Loan Term	Loan Amount	NEW Auto APR* As Low as	NEW Auto Payment Example per $1,000 Borrowed	USED Auto APR* As Low as	USED Auto Payment Example per $1,000 Borrowed
Up to 24 months	$2,500+	2.69%	$42.84	2.69%	$42.84
36 months	$5,000+	2.89%	$29.03	3.19%	$29.17
48 months	$7,500+	3.19%	$22.22	3.49%	$22.35
60 months	$10,000+	3.39%	$18.14	3.59%	$18.23
72 months	$20,000+	3.59%	$15.46	4.09%	$15.69
84 months	$20,000+	4.89%	$14.08	5.09%	$14.18
96 months	$35,000+	5.59%	$12.94	5.99%	$13.14
Sample Monthly Payment of $281.65 for a new auto loan amount of $20,000 at 84 months with 4.89% APR*

Vehicle Refinance

If your current auto loan or lease payment with another financial institution is higher than you like, a refinance auto loan may help you lower your monthly payment and keep more money in your pocket.
LEARN MORE

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Find, Drive, and Save!

Finding your next car doesn’t need to be a hassle. Research thousands of new & pre-owned vehicles

Find your new car now

APPLY ONLINE

Visit Your Nearest Justice Federal Branch

Call Us 800.550.5328

Important Legal Disclaimers and Information

APR = Annual Percentage Rate. Rate as of June 11, 2018 and subject to change without notice. Annual percentage rate may be higher based on past and present credit performance. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan.

Down payment may be required based on creditworthiness. 100-110% financing not available to all applicants.

Interest will continue to accrue.

(1)24 monthly payments of $42.84 per $1,000 borrowed. Other rates and terms available.

(3)TruStage™ Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. Average annual savings based on countrywide survey of new customers from January 27, 2014 to January 16, 2015 who reported their prior insurers’ premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA.

See Representative for details.