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Finance an Auto

Finance your auto with us

  • Rates as low as 1.99% APR not to exceed 18% APR
  • Terms up to 84 months
  • No payments for up to 45 days
  • No prepayment penalties

APR = Annual Percentage Rate. Actual rate may vary based on credit score, discounts and/or surcharges, loan term, and loan-to-value. Term of loan may vary based on amount financed. All loan approvals are based on standard underwriting guidelines and/or automated credit-scoring benchmarks. Must meet existing auto loan guidelines to qualify. Rate cannot fall lower than 1.99% APR and  will not exceed 18% APR. Borrower’s rate will not be below the qualifying rate based on term. Auto loans currently financed with Xplore FCU are ineligible for refinancing. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice. Payment example: $10,000 borrowed at 1.99% APR for 24 months = $425.36/month.

Up to 1% OFF your rate when you Refinance

Refinance your higher rate auto loans and save. Have an auto loan with another financial institution? We'll take up to 1% off your rate for refinancing it with Xplore.

Get preapproved and negotiate the best price

When dealerships see you're preapproved, they know you mean business. Sellers will be ready to make you an attractive offer to earn your business. You will be able to negotiate with confidence knowing you have a low rate.

1% OFF Refinance Promo: Certain restrictions apply. Must meet existing auto loan guidelines to qualify. Vehicle model year 2014 or newer. Up to 1% off the existing rate when qualifying for this promotion. Even if the borrower qualifies for the promotion, no borrower's annual percentage rate will be lower than 1.99% APR and will not exceed 18% APR. Borrower's rate will not be below the qualifying rate based on term. Cannot be combined with other offers. Borrower responsible for DMV fee (included in loan amount). Loan must fund within 30 days of application. Auto loans currently financed with Xplore FCU are ineligible.

First Time Auto Purchase? Xplore has you covered.

Xplore offers first time auto loans to members with little to no credit history. If you're fresh out of college and you've been on the job for at least 2 years, Xplore can help you get into that new or used car you've been looking for. All you have to do is fill out the application online, call in @ 888-U-Xplore, or visit a branch near you! 

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Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender. 

We may provide links to third party sites, independent from Xplore Federal Credit Union. These links are provided only as a convenience. Xplore Federal Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Xplore Federal Credit Union.