Vehicle Loans & Refinance Options We've slashed New/Used Auto Loan Rates to as Low as 2.49% APR* across the board - up to 60 months - with No-cost GAP** Protection ($450 value) included.

Vehicle Loans: As low as 2.49% APR* for New & Used, for Up to 60 Months

Are you ready to ride in style in a new or a “new to you” vehicle? With a low-interest vehicle loan from 121 Financial Credit Union, you can purchase a new or used car, truck or SUV from literally any dealership in town. All through September, we're including no-cost GAP protection with your loan.**

Step 1: Apply and qualify for a new or used vehicle loan with us. We finance up to 100% of the deal, including those pesky fees dealerships sometimes throw on at the end. You’ll receive a “draft” of your loan, including the amount you are approved to pay for a car (total).

Step 2: Go test drive!

Step 3: Once you’ve found the car or truck or SUV of your dreams, just hand over your draft document to the finance folks at the dealership. Congratulations, you just bought a new vehicle.

  • Guaranteed low interest rates - below most banks and dealerships
  • No fee to apply for a loan
  • Flexible monthly payment options
  • We will beat loan drafts from other institutions

APR* as low as 2.49%
FINANCING: up to 100%
LENGTH OF LOAN: up to 60 months

*APR = Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.

Not valid for internal refinances (existing 121FCU loans).

Refinance your Auto Loan & Lower your Payments

Love your car but not your car loan? Refinancing your auto loan from another lender with 121 Financial may help you lower your interest rate, decrease your monthly payments, or even pay off your auto loan sooner.

Cash-in on your Equity with a Cash-out Refinance

Do you need a little extra cash right now or have a large amount of debt you’d like to pay off? A cash-out auto refinance allows you to use the equity in your vehicle to receive a lump sum payment. It’s similar to refinancing, but instead you replace your existing auto loan with a new loan with a lower rate and payments.

*APR = Annual Percentage Rate. Example of loan for $25,000 for 60-month term 2.49%, payment $444. Valid for model year 2014 or newer, 80,000 max mileage for 60 mo. term. Other rates and terms are available; ask for details.Excludes loans already financed with 121 Financial or equity from clear title. Applies to auto loans only. Not available on business loans. $10,000 minimum loan amount.

**GAP = Guaranteed Asset Protection. It is NOT auto insurance. If your vehicle is totaled or stolen, GAP may reduce or even eliminate a shortfall in your auto insurance reimbursement. Maximum allowable loan/lease amount as of the effective date of protection is $100,000. Offer begins September 1, 2021 and may end at any time. Not available for internal refinances. In the event of an early payoff, GAP is non-refundable. Federally insured by NCUA.

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