Competitive Rates and flexible terms
See if you are pre-approved in just 90 seconds
Find out your personal savings & choose how you want to save
Choose the Auto Loan Option that’s Best for You
New & Used Vehicle Loans
Affordable financing for new or pre-owned vehicles with clear terms and rates that help you plan confidently and stay within your monthly budget.
- Rev up your savings with our low-rate auto loans and flexible terms, as low as 6.49% APR1 for 60 months
- Finance up to 135% of the car’s value for up to 84 months
- 0.25% discount for new members OR for using automatic payments from an AdelFi Checking Account
Auto Loan Refinance
You may be able to lower your monthly payment or interest rate by refinancing your existing auto loan with AdelFi.
- Get pre-approved in just 90 seconds
- No impact to your credit score
- Simple and fast application process
First-Time & Parent-Assist Auto Loans
Buying your first car can be challenging—especially without established credit. If you’re 18 or older, or a parent helping your child purchase their first set of wheels, our First-Time and Parent-Assist Programs can help with:
- Affordable financing on new and used vehicles
- Terms up to 84 months
Lease Buyout, Cash Out, & Private Party Auto Loans
We also offer flexible auto loans if you want to buy out your lease, access cash from your vehicle’s equity, or purchase from a private seller.
- As low as 6.99% APR3 for Lease Buyout and Cash Out for 60 months
- As low as 8.99% APR4 for Private Party Loans for 60 months
- Up to 135%2 financing for 84 months
- 0.25% discount for new members OR for using automatic payments from a CCCU Checking Account
Recreational Vehicle (RV) Loans
Want to experience the great outdoors but need an RV loan? We can help! Rates are as low as:
- 8.99% APR5 for a new RV
- 9.49% APR5 for a pre-owned RV
- Up to 120% financing with approved credit
- Terms up to 180 months
How to Get Pre-Approved for an Auto Loan
Getting pre-approved with AdelFi is simple and gives you clarity before you visit a dealership or shop online.
Step 1: Apply Online
Complete a short online application with your basic financial information.
Step 2: Receive Your Decision
In many cases, you will receive a decision quickly so you know your approved loan amount.
Step 3: Shop With Confidence
With pre-approval in hand, you can choose your vehicle knowing your financing is already in place.
Pre-approval can also help you stay within your budget and make a wise, informed decision before you purchase.
Why Finance Your Vehicle With a Christian Credit Union
Financing through AdelFi offers a different approach than dealer or traditional bank financing.
AdelFi is member-owned, which means decisions are made with members in mind rather than shareholder profit. This often results in competitive rates, clear terms, and a focus on helping you make a sound financial decision.
Our lending approach is grounded in faith-based values and a commitment to serving Christian families, churches, and ministries well. It is financing designed to support both your needs today and your long-term financial health.
Additional Auto Services
Auto Loan Calculator
Looking to find out what your monthly car loan payment or final car purchase price will be? Use our Car Loan Calculator to help you determine how much car you can afford!
AdelFi Auto Loans FAQs
Yes. You can apply for an AdelFi auto loan online and receive a decision in many cases in as little as 90 seconds.
Yes. AdelFi offers financing for both new and used vehicles, with flexible terms designed to fit your budget.
Yes. Refinancing with AdelFi may help lower your rate or monthly payment depending on your situation.
Yes. AdelFi auto loans are available to members. You can apply for membership online as part of the loan process.
AdelFi offers flexible auto loan terms for new and used vehicles. Terms and rates vary based on vehicle age and borrower qualifications. Click HERE for auto loan options and current rates.
Finance Your Next Vehicle with Confidence
Apply for an AdelFi auto loan and take the next step toward purchasing or refinancing your vehicle with a lender that reflects your values.
Terms & Conditions
*APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice.
1. New & Used Vehicle: This is a fixed rate loan and reflects the 0.25% discount for new members OR for members using automatic payments from a AdelFi Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months: at 6.49% APR would be $196.10. Monthly payment for $10,000 for 84 months: at 8.24% APR would be 157.59. Refinances for existing AdelFi loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
Rate Increase to Base Rate for credit scores below 700:
• Add 0.50% for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years
2. Applicants with a credit score of at least 780.
3. Lease Buyout and Cash Out: This is a fixed rate loan. 6.99% reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months at 6.99% APR would be $198.49. Refinances for existing AdelFi loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
4. Private Party Loan: This is a fixed rate loan. 8.99% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account (new members are those that joined AdelFi within the last six months). Monthly payment for $10,000 for 60 months at 8.99% APR would be $208.24. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
Rate Increase to Base Rate
• Add 0.50% for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years or older for credit score below 660
5. RV Loans: APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice. Rate as low as 8.99% APR for new recreational vehicle (RV) loans and 9.49% APR for pre-owned RV loans. Rates reflect the 0.25% discount for members using automatic payments from a AdelFi Checking Account. A processing fee of $399 applies. Up to 120% financing available. Terms up to 180 months for new and pre-owned. Monthly payment for $30,000 for 180 months at 8.99% APR would be $305.27; at 9.49% APR for 180 months would be $314.35. Rates are based on credit history and underwriting factors. Not all borrowers will qualify for the lowest rate.
‡All loans are subject to credit approval.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myAdelFi.com/deposit-account.