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 115% of the cost for a new vehicle, and up to 115% of the NADA Car Guide retail value for a used vehicle**
No penalties for early loan pay off
Virtual Notary, now available

How it Works: Just 3 Easy Steps

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

Find, Drive, and Save!

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

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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.


TruStage Insurance Services
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Visit Your Nearest Justice Federal Branch

Call Us 800.550.5328

Important Legal Disclaimers and Information

*APR = Annual Percentage Rate. Rate as of September 1, 2021 and subject to change without notice. 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. (1)24 monthly payments of $42.51 per $1,000 borrowed. (2)84 monthly payments of $13.73 per $1,000 borrowed. Other rates and terms available. See Representative for details.
**Down payment may be required based on creditworthiness. 100-115% financing not available to all applicants.
***Interest will continue to accrue. Other rates and terms available. See Representative for details.