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Auto Loan

Xceed Auto Loans

Prepare for a smooth ride.

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A Better Deal

Xceed offers low rates with flexible terms. It’s part of the credit union difference.

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Buying Guide

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Auto Loans

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.60%

Payment Per $1,000

$22.51

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$18.41

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.00%

Payment Per $1,000

$15.76

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.00%

Payment Per $1,000

$14.13

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.75%

Payment Per $1,000

$29.52

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$22.65

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.99%

Payment Per $1,000

$18.53

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.30%

Payment Per $1,000

$15.90

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.35%

Payment Per $1,000

$14.30

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.60%

Payment Per $1,000

$22.51

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$18.41

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.00%

Payment Per $1,000

$15.76

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.00%

Payment Per $1,000

$14.13

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.75%

Payment Per $1,000

$29.52

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$22.65

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.99%

Payment Per $1,000

$18.53

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.30%

Payment Per $1,000

$15.90

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.35%

Payment Per $1,000

$14.30

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.50%

Payment Per $1,000

$22.47

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$18.41

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$15.71

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.75%

Payment Per $1,000

$14.13

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.50%

Payment Per $1,000

$29.41

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.75%

Payment Per $1,000

$22.58

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.99%

Payment Per $1,000

$18.53

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.15%

Payment Per $1,000

$15.83

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.10%

Payment Per $1,000

$14.30

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$22.57

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.98%

Payment Per $1,000

$18.52

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.14%

Payment Per $1,000

$15.82

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.75%

Payment Per $1,000

$14.13

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$29.52

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$22.65

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.99%

Payment Per $1,000

$18.53

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.39%

Payment Per $1,000

$15.94

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

5.10%

Payment Per $1,000

$14.30

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.60%

Payment Per $1,000

$22.51

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$18.41

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$15.71

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.35%

Payment Per $1,000

$13.95

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.50%

Payment Per $1,000

$29.41

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.75%

Payment Per $1,000

$22.58

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.99%

Payment Per $1,000

$18.53

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.15%

Payment Per $1,000

$15.83

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.60%

Payment Per $1,000

$14.06

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/19/2019 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$29.30

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.24%

Payment Per $1,000

$22.36

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.49%

Payment Per $1,000

$18.30

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

3.65%

Payment Per $1,000

$15.60

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.25%

Payment Per $1,000

$13.90

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.25%

Payment Per $1,000

$29.30

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.50%

Payment Per $1,000

$22.92

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.74%

Payment Per $1,000

$18.41

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

3.90%

Payment Per $1,000

$15.71

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.60%

Payment Per $1,000

$14.06

For the most accurate rates, tell us where you live.
Please enter a valid US zip code.

Your zip code will be stored for one day. During this time, all rates on this page will reflect your current location.

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Xtraordinary Moment

Hannah C
Name
Hannah C.
3-Word Description
Daughter, Hard Worker, Student
Occupation
First-Grade Teacher
First Job
Cashier at Wegmans
Member since
2004

This was the first place that we looked [for an auto loan] because my parents have had such a great experience. I really knew nothing about getting loans, but I went to my dad, who’s the go-to for everything. He told me to go to Xceed.

The Cummings family discusses Xceed's amazing service and rates for auto loans

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Get started on your Xceed auto loan
Apply now »
Call us to talk to an associate
800.XFCU.222
Get our free auto-buyer's guide
Download the guide »

Tools & Tips

woman securing sled to roof of car

Shop Like a Pro

Even the most experienced car buyer can get caught up in the process and miss a step. So for anyone who’s considering a new car—whether they’re familiar with the process or not—we’ve put together a list of steps!

man and woman in car with coffee

Auto Loan Oughta-Knows

Whether your new car is brand-new or just new to you, there are a few budget items you’ll want to consider before you buy, because there’s more to car ownership than make, model and financing.

Child with head of out of backseat car window

Calculate a Vehicle Payment

See how much your monthly auto loan payment might be.

Download our Free Auto-Buyer’s Guide

For the most accurate rates, tell us where you live.
Please enter a valid US zip code.

Your zip code will be stored for one day. During this time, all rates on this page will reflect your current location.

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