There's no magic number. At Affinity Plus, we work with a wide range of credit profiles. And while a higher credit score can help you qualify for a lower rate, it's just one part of the application.
Auto Loans. It's an Easy Ride.
From applying to signing on the dotted line, it can all be done digitally, from anywhere. And within just a couple of hours.
Jillene, Affinity Plus Member
See what rate you might qualify for
Answer a few quick questions and we’ll give you a rate estimate, with no impact to your credit score. If you like the terms, we’ll get you a speedy application.
Get PrequalifiedAlready a member? Log in to digital banking to check if you have pre-approved loan offers waiting for you.
What you get
Flexible Terms
Along with competitive auto loan rates, you'll find terms up to 84 months. And there are no pre-payment penalties, if you want to pay off your loan early.*
Financing Options
We offer new loans for new or used vehicles, and can help refinance an existing auto loan. Get up to 100% financing, including license and fees.
A Quick Credit Decision
Find out right away if you're preapproved. Then usually within 2 business hours of getting your online application, we'll send you a follow-up email with your rate, term, and estimated monthly payment.
About your application
Hear back soon
Fill out the simple online application, and hear back from us within a few business hours.
Already applied?
Return to your application to finish it, check its status, upload documents, or connect with your lender.
We're here to help.
If you have questions or need help with anything, please contact us.
Use Points for a Lower Rate
After getting preapproved for an Auto Loan, you can redeem MyPlus Rewards™ points for a lower interest rate. Learn how much you can save.
What to expect after applying
Hear back instantly
You’ll find out whether or not you’re pre-approved right away.
Get your rate
Then usually within 2 business hours, we’ll send you a follow-up email with your rate, term and estimated monthly payment.
Send the purchase agreement
When you find the perfect car, fax or scan and email us the purchase agreement.
Sign everything digitally
We’ll send you your documents through DocuSign (a secure way to get digital signatures), so you can seal the deal from anywhere and be done!
Get no-haggle member pricing.
When you shop online with Affinity Plus Car Buying Service powered by TRUECar, you'll find everything on one simple site. Search inventory from certified dealers across the whole state, and be confident that you're getting a good deal.
Jillene, Affinity Plus Member
Auto Loan FAQ
The best rate for you depends on things like your credit profile, loan term, and whether you're buying a new or used car. Getting pre-qualified can help you understand what rate you may qualify for.
Yes. Having less-than-perfect credit doesn't automatically rule you out. We work with members across a range of credit profiles and can help you explore your options.
In most cases, new vehicles often qualify for lower rates than used vehicles. But your rate will also depend on things like your credit profile and loan term.
It could be worth a look if your credit has improved, rates have changed, or you're hoping to lower your monthly payment. Refinancing could help you save money over the life of your loan.
A car payment should fit comfortably into your monthly budget. And don't forget to factor in insurance, fuel, maintenance, and registration costs. Our Auto Affordability Calculator can help you estimate what works for your budget.
Auto Loan Disclosure
* Payment Example: A loan for 84 months at APR will result in an approximate monthly payment of per $1,000 borrowed.