Auto Loan
- Affordable financing on new and used vehicles
- Terms up to 84 months
- New, Pre-Owned, Refinance
- APR* As Low As: 6.49%
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!
Frequently Asked Questions
You can apply for an auto loan online in just minutes. We require a parent or guardian to co-sign to qualify for the loan. There’s no fee to apply. If you need more information, please email us at [email protected] or call us at 800-347-AdelFi (2228).
There is no set down payment requirement and is contingent upon various factors of the loan such as credit quality of the applicant and co-applicant. Sometimes a down payment is not required.
No, there are no prepayment penalties on an auto loan
Terms and Conditions
*APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice. 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
1. Applicants with a credit score of at least 780.
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.
‡All loans are subject to credit approval.