Auto Loans
Drive What Moves You
Auto Loans from ProFed Credit Union
Your next car isn’t just transportation — it’s freedom, flexibility, and fun. With ProFed Auto Loans, financing is simple, transparent, and designed around your life. Enjoy competitive rates, flexible terms, and fast pre‑approval — so you can focus on the drive, not the paperwork.
Get pre‑approved today and shop with confidence — online or at trusted local dealers.
Apply NowAuto Loan Rates
Apply Now| Collateral | Minimum Loan | Maximum Term | Rate | APR* As Low As |
|---|---|---|---|---|
| 2024 - 2026 | N/A | 84 Months | Fixed | 6.49% |
| 2024 - 2026 | N/A | 84 Months | Fixed | 4.79%** |
| 2023 - 2026 | N/A | 75 Months | Fixed | 5.99% |
| 2023 - 2026 | N/A | 78 Months | Fixed | 4.49%** |
| 2020 - 2026 | N/A | 66 Months | Fixed | 5.74% |
| 2020 - 2026 | N/A | 66 Months | Fixed | 4.39%** |
| 2019 - 2026 | N/A | 48 Months | Fixed | 5.34% |
| 2019 - 2026 | N/A | 54 Months | Fixed | 4.29%** | 2017 - 2018 | N/A | 48 Months | Fixed | 6.24% |
Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Rates were last updated on 5/07/26. Your rate may vary depending on your credit score. **Promotional rates are not available on refinance of current ProFed debt and require $15,000 new money. Auto Loan Rate Payment Example: Auto - 66 months @ 5.74% your payment will be roughly $17.75 monthly per $1,000 borrowed. Click here to visit our Loan Payment Calculator to determine a monthly payment that works for you.
Fast, Easy Approval — On Your Terms
Getting an auto loan shouldn’t slow you down. ProFed makes it easy from start to finish:.
- Apply online in minutes — no dealership pressure
- Get pre‑approved before you shop, so you know your budget upfront
- Flexible terms and competitive fixed rates that fit your financial goals
- Finance new, used, or refinance your current loan — all in one place
From first‑time buyers to seasoned drivers, we’ll help you find a payment that works.
The Credit Union Difference — Feel It from Day One
At ProFed, you’re more than an account number — you’re a member.
- Lower rates and fewer fees because we reinvest in members, not shareholders
- Local decisions and personalized service for faster approvals
- Flexible options and real guidance throughout the life of your loan
- A trusted community partner supporting your financial journey
That’s the power of financing with a credit union.
Shop Smarter with the Member Auto Center
Take the guesswork out of car shopping with ProFed’s Member Auto Center (MAC):
- Search new and used vehicles from trusted, verified dealers
- Estimate monthly payments instantly to stay on budget
- Request no‑obligation price quotes with confidence
- Secure ProFed financing before you buy for a smoother purchase experience
Find the right car — at the right price — all in one place.
Frequently Asked Questions
If you are preapproved, you are approved to borrow a specific dollar amount before you start car shopping.
Apply online or swing into a branch and apply in-person.
If your credit score is 720 or higher you will get our best rate. To find out your credit score, speak to a loan officer today!
We don't approve or deny a loan solely based on credit score.
The amount you can borrow is based on your income and monthly expenses. Use our calculator to find out how much car you can afford.
It depends. The older the vehicle, the shorter the term. A new vehicle can be financed at ProFed for up to 84 months.
Any cash you can pay out of pocket is considered a down payment. We recommend putting down as much as you're comfortable putting down within your budget.
In general, once we receive all the information, we strive to give you a decision within 1 business day.
ProFed doesn't have any fees on auto loans.
Guaranteed Asset Protection (GAP) protects if your vehicle has been declared a total loss after an accident. For an added cost, GAP is intended to reduce or eliminate the balance owed after the insurance company pays. You can purchase GAP insurance through ProFed at a much lower rate than what the dealership offers.
Debt protection is an added cost to your loan. It can cancel all or part of the loan payment or balance if you qualify. It protects against death, disability, or involuntary unemployment.
For an added cost, ProFed also offers Mechanical Repair Coverage to help cover repairs. TruStage® Auto Loan Insurance is another option offered to members.
Yes, trading in a car can help lower your balance and payment.
The terms are determined by the year of the vehicle that you are purchasing. At ProFed, they can vary from 48 months to 84 months.
If you are struggling to make a payment, reach out to a loan officer for options.