Auto Loan

Xceed Auto Loans

Prepare for a smooth ride.

Personal Support

Questions? Let’s hear ’em. We’re here to help you with all things financial.

Get in touch »

A Better Deal

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

Not a member yet? »

Buying Guide

Don’t fear the process of buying a car: master it. Download our free auto-buying guide!

Get the guide »

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $15.19
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 3.99%	Payment Per $1,000 $13.66
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $28.99
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.24%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.24%	Payment Per $1,000 $14.01

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.49%	Payment Per $1,000 $15.41
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.49%	Payment Per $1,000 $13.90
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $29.08
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $22.13
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $17.96
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.74%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.74%	Payment Per $1,000 $14.01

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.49%	Payment Per $1,000 $15.41
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.49%	Payment Per $1,000 $13.90
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $29.08
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $22.13
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $17.96
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.74%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.74%	Payment Per $1,000 $14.01

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.49%	Payment Per $1,000 $15.41
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.49%	Payment Per $1,000 $13.90
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $29.08
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $22.13
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $17.96
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.74%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.74%	Payment Per $1,000 $14.01

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.49%	Payment Per $1,000 $15.41
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.49%	Payment Per $1,000 $13.90
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $29.08
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $22.13
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $17.96
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.74%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.74%	Payment Per $1,000 $14.01

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 6/18/2020 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 2.79%	Payment Per $1,000 $28.99
Loan Type and Term New Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $22.04
Loan Type and Term New Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.79%	Payment Per $1,000 $17.88
Loan Type and Term New Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.49%	Payment Per $1,000 $15.41
Loan Type and Term New Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.49%	Payment Per $1,000 $13.90
Loan Type and Term Used Auto – 36 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $29.08
Loan Type and Term Used Auto – 48 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $22.13
Loan Type and Term Used Auto – 60 months	Annual Percentage Rate (APR As Low As)¹ 2.99%	Payment Per $1,000 $17.96
Loan Type and Term Used Auto – 72 months	Annual Percentage Rate (APR As Low As)¹ 3.74%	Payment Per $1,000 $15.53
Loan Type and Term Used Auto – 84 months	Annual Percentage Rate (APR As Low As)¹ 4.74%	Payment Per $1,000 $14.01

For the most accurate rates, tell us where you live.

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

Check out these helpful calculators

Want to run the numbers on all of your options? You’re in the right place. Calculate your answers here.

Questions? Request a Call

An Xceed associate will reach out to you at your convenience.

Xtraordinary Moment

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

Ready to get started?

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

Article | Auto, By the Numbers Blog

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!