Vehicle Loans

Auto & Truck

Whether you're looking to purchase a new or used vehicle, or save some money by refinancing your current vehicle, we'll work with you to get you into a loan with a payment that fits your budget.

  • Competitive Rates: Save with our low interest rates1
  • Flexible Terms: Tailored repayment plans to fit your budget up to 84 months2
  • NO down payment required: Plus, up to 100% financing3
  • Personalized Service: Friendly experts guide you through the process
  • Convenient Payments: Manage your loan with ease
  • Pre-approval: Lock in a great rate and know your approved loan amount before you go to the dealer. (Pre-approvals are valid for 30 days.) Get pre-approved NOW!

Members:

Not a member? Complete the form below to get started or Join Today!

Boat & RV

Whether your dream is a boat, trailer, or RV, we have the low-cost financing to make it happen.

  • No pre-payment penalty
  • Competitive rates1 
  • Flexible terms up to 120 months
  • Quick Approval: Streamlined process gets you on your way faster
  • Expert Guidance: Personalized support from start to finish
  • Easy Management: Convenient online and mobile access

Members:

Not a member? Complete the form below to get started or Join Today!

Motorcycle

Ride with confidence knowing you got a great deal from EdiFi!

  • Competitive Rates: Save with our low interest rates1
  • Flexible Terms: Tailored repayment plans to fit your budget up to 84 months2
  • NO down payment required: Plus, up to 100% financing3
  • Personalized Service: Friendly experts guide you through the process
  • Convenient Payments: Manage your loan with ease

Members:

Not a member? Complete the form below to get started or Join Today!

Auto Refinancing

Make the savvy move to EdiFi and give yourself a monthly raise! Simply refinance your higher rate loan and save money every month.

  • Low rates1
  • Terms up to 84 months2
  • 100% financing; no down payment required3
  • No pre-payment penalty
  • Refinance your vehicle loan with EdiFi and you could save hundreds or thousands of dollars over the life of your loan!4

Members:

Not a member? Complete the form below to get started or Join Today!

Rates

Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
APY*
New/Untitled (2023-2024)
Min/Max Borrowed
At least $5,000
Max Repayment Term
36 months
APR* as low as
5.99%
New/Untitled (2023-2024)
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
48 months
APR* as low as
5.99%
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
60 months
APR* as low as
5.99%
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
72 months
APR* as low as
6.49%
Min Balance to Earn
APY*
6.49%
Min/Max Borrowed
At least $5,000
Max Repayment Term
84 months
APR* as low as
6.74%
Min Balance to Earn
APY*
6.74%
Pre-owned (2020-2023)
Min/Max Borrowed
At least $5,000
Max Repayment Term
36 months
APR* as low as
5.99%
Pre-owned (2020-2023)
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
48 months
APR* as low as
5.99%
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
60 months
APR* as low as
5.99%
Min Balance to Earn
APY*
5.99%
Min/Max Borrowed
At least $5,000
Max Repayment Term
72 months
APR* as low as
6.49%
Min Balance to Earn
APY*
6.49%
Min/Max Borrowed
At least $5,000
Max Repayment Term
84 months
APR* as low as
6.74%
Min Balance to Earn
APY*
6.74%
Used (2015-2019)
Min/Max Borrowed
At least $5,000
Max Repayment Term
36 months
APR* as low as
7.25%
Used (2015-2019)
Min Balance to Earn
APY*
7.25%
Min/Max Borrowed
At least $5,000
Max Repayment Term
48 months
APR* as low as
7.25%
Min Balance to Earn
APY*
7.25%
Min/Max Borrowed
At least $5,000
Max Repayment Term
60 months
APR* as low as
7.25%
Min Balance to Earn
APY*
7.25%
Boat & RV
Min/Max Borrowed
At least $5,000
Max Repayment Term
60 months
APR* as low as
5.49%
Boat & RV
Min Balance to Earn
APY*
5.49%
Min/Max Borrowed
At least $5,000
Max Repayment Term
120 months
APR* as low as
7.99%
Min Balance to Earn
APY*
7.99%
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Disclosures

*APR = Annual Percentage Rate.

1Rates are subject to credit approval. Rates will vary based on creditworthiness, model year, and term. The minimum for an auto loan is $5,000. Rates and terms subject to change at any time.

2Qualification for 84-month financing based on creditworthiness. 84-month financing not available on model years 2019 and older.

3Not available for all loans; based on credit criteria.

4EdiFi vehicle loans are not eligible for refinancing. Some vehicles will not be eligible for refinancing.