Auto Loan Special
As low as 4.49% APR* for 60 months | No Payments for 90 Days**
*Offer based on loan term of 60 months. REGIONAL federal credit union finances up to 125% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 11.49% APR and the minimum approved loan amount is $5,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate. Payment example: A 60-month loan of $50,000 at 4.49% fixed APR will have 60 monthly payments of $18.64 per $1,000 borrowed. Rates current as of July 8, 2025, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Auto loan rates reflect as low as rate with .25% discount for automatic payments. Refinance restrictions apply.
**90 Days No Payments: Certain conditions apply. 722 or higher scores are eligible. Not all applicants will qualify. During the 90-day period, interest will accrue on total loan amount. The year of the vehicle must be a 2022 or newer to receive the promotional rate. Other rates are available for older model years.
Get Behind the Wheel with REGIONAL
When it’s time for a new car, REGIONAL will help you drive it home with great rates and flexible terms up to 72 months (84 months for new autos). We finance up to 125% including taxes, title and registration fees.
Apply online today or talk to a Lending Expert at 1-800-762-7419.
Refinancing and Auto Equity
Have an auto loan with another lender? Let REGIONAL help you save money by refinancing your loan. We refinance new and used auto loans.
We also offer Auto Equity loans—it’s like getting a Personal Loan at Auto Loan rates. Talk to a Lending Expert for full details.
Current Auto Loan Rates
| Model Year | Term | APR as low as |
|---|---|---|
| 2022-2026 | 36 months | 4.24% |
| 2022-2026 | 60 months | 4.49% |
| 2022-2026 | 72 months | 4.74% |
| 2024-2026 (new only) | 84 months | 5.64% |
| 2020-2021 | 60 months | 5.89% |
| 2020-2021 | 72 months | 6.14% |
| 2016-2019 | 60 months | 6.39% |
GAP Insurance and Extended Warranty
Be prepared for the unexpected with GAP Advantage and Extended Warranty coverage.
If your car is totaled in a crash or stolen, your auto insurance probably only covers the vehicle’s value at the time of the loss, which can leave you still owing money on a car you can’t drive anymore. GAP Advantage covers that difference and gives you a $1,000 credit toward a replacement vehicle if you finance with REGIONAL.
With today’s high-tech vehicles, even a common problem can cost a lot of money to fix, and most manufacturer warranties expire in three to five years. An Extended Warranty from Route 66 covers major repairs after the factory warranty runs out. Coverage is available for new and used vehicles. Ask a REGIONAL representative for details.
Go to main navigation