Car Loans

Get on the road faster with affordable auto loans.

New car loans

  • Finance up to 100% of new vehicles' value, plus tax, tags and warranty
  • Terms up to 84 months for loan requests beyond $15,000
  • Available for vehicles with fewer than 5,000 miles
  • Same day decisions in most cases

Used car loans

  • Finance up to 100% for vehicles up to seven years old (plus tax, tags and warranty) with terms up to 72 months
  • Terms up to 84 months available for loan requests beyond $15,000
  • Same day approvals in most cases

Refinance your existing car loan

  • Keep your car, lower your monthly payment
  • Flexible term options up to 84 months
  • Quick and easy loan applications
  • Same day approvals in most cases

Apply Now

Tools & Resources

Auto Loan Rates

Rates effective starting: February 25, 2024

Product APR Maximum Term Monthly Cost
New Auto 6.24% 48 months $23.60
New Auto 6.24% 66 months $17.95
New Auto 6.49% 75 months $16.26
New Auto 7.24% 84 months3 $15.22
Used Auto (2013 or newer) 6.24% 48 months $23.60
Used Auto (2015 or newer) 6.24% 66 months $17.95
Used Auto (2016 or newer) 6.49% 75 months $16.26
Used Auto (2019 or newer) 7.24% 84 months3 $15.22
Classic Auto 7.49% 60 months $20.04
SMART Auto 8.89% 10 years $12.62

1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $299.08 or $19.94 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 4.49% Annual Percentage Rate.

2APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Not everyone will qualify for the best rate. Interest rate based on borrower's credit score at the time of application. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico. 

3$15,000 minimum required.