Vehicle Loan Center

Auto Loans

New & Used Auto Loans

APPLY ONLINE   VIEW RATES      

Maybe it’s your first car purchase (new or used), a car with a little more muscle, one that’s environmentally friendly, or more luxurious — we’ll put you in the driver’s seat with a variety of auto financing options.

Our AutoDraft Is Your Ticket to Buy

Looking for confidence to negotiate the best price on a vehicle that you know you can afford? Look no further than our AutoDraft — a blank check given to Members who are pre-approved for a new or used vehicle.

You’ll score a low interst rate loan with no hidden fees. Plus, you’ll know exactly what you can afford. Simply take your AutoDraft to any dealership or seller and purchase like a cash buyer.

Same great terms as our new and used vehicle loans
Autodraft blank check is valid for 60 days
Accepted by any dealership
Good as cash, which allows you to negotiate your best deal
Borrow up to 110% of the cost for a new vehicle, and up to 110% of the NADA Car Guide retail value for a used vehicle**
No penalties for early loan pay off

How it Works: Just 3 Easy Steps

  1. Apply Online, In Person or On the Phone — it’s fast and free.
  2. Once approved, receive your loan package by mail as soon as the next day.
  3. Make the Auto Draft Blank Check payable to the dealer/seller and drive away!

What would my monthly payment be?

Loan Term Loan Amount Annual Percentage Rate as low as Payment Example
per $1,000 Borrowed
Up to 24 months $2,500+ 1.69% $42.40
36 months $5,000+ 1.69% $28.51
48 months $7,500+ 2.09% $21.74
60 months $10,000+ 2.29% $17.66
72 months $20,000+ 2.49% $14.97
84 months $20,000+ 3.09% $13.26
96 months $35,000+ 4.09% $12.23
Sample Monthly Payment of $265.05 for loan amount of $20,000 at 84 months with 3.09% APR.

New & Used Motorcycle Loans

APPLY ONLINE   VIEW RATES      

Loans aren’t just for boring stuff. We offer loans for new or used motorcycles to get you out on the open road. A loan has never been this much fun!

Borrow up to 110% of the purchase price on a new motorcycle.** On a used motorcycle we'll finance the purchase price or up to 110% of the average retail price as listed in the NADA guide,** whichever is less, when purchased from a dealer or private party. A minimum loan amount of $2,500 is required.

How it Works: Just 3 Easy Steps 

  1. Apply Online, In Person or On the Phone—it’s fast and free.
  2. Once approved, receive your loan package by mail as soon as the next day.
  3. Make the Auto Draft Blank Check payable to the dealer/seller and drive away!

What would my monthly payment be?

Loan Term Loan Amount Annual Percentage Rate as low as Payment Example
per $1,000 Borrowed
Up to 24 months $2,500+ 1.69% $42.40
36 months $5,000+ 1.69% $28.51
48 months $7,500+ 2.09% $21.74
60 months $10,000+ 2.29% $17.66
72 months $20,000+ 2.49% $14.97
84 months $20,000+ 3.09% $13.26
96 months $35,000+ 4.09% $12.23
Sample Monthly Payment of $265.05 for loan amount of $20,000 at 84 months with 3.09% APR.

New & Used Boat/RV Loans

APPLY ONLINE   VIEW RATES      

Borrow up to 100% of the purchase price on a new Boat or recreational vehicle. On a used boat or recreational vehicle, we'll finance the purchase price or up to 100% of the average retail price as listed in the NADA guide, whichever is less, when purchased from a dealer or private party. A minimum loan amount of $2,500 is required.

How it Works: Just 3 Easy Steps 

  1. Apply Online, In Person or On the Phone—it’s fast and free.
  2. Once approved, receive your loan package by mail as soon as the next day.
  3. Make the Auto Draft Blank Check payable to the dealer/seller and drive away!

What would my monthly payment be?

Loan Term Loan Amount Annual Percentage Rate as low as Payment Example
per $1,000 Borrowed
Up to 36 months $2,500+ 4.84% $29.90
60 months $10,000+ 5.09% $18.91
72 months $25,000+ 5.74% $16.45
84 months $25,000+ 5.94% $14.58
120 months $75,000+ 5.94% $11.07
144 months $100,000+ 5.94% $9.73
Sample Monthly Payment of $378.16 for loan amount of $20,000 at 60 months with 5.09% APR.

Vehicle Refinance Loan

Refinancing your vehicle loan could result in savings for you. If your current vehicle loan or lease payment with another financial institution is higher than you like, refinancing your vehicle loan may help you lower your monthly payment and keep more money in your pocket.

  1. Get started
    A few minutes is all it takes! Apply online, visit your nearest branch, or call 800.550.5328.
  2. Apply
    To start, simply provide your personal information, including name, employment info and social security number. Keep in mind there is a $2,500 minimum loan amount required to refinance an auto loan from another financial institution.
  3. Provide Your Car Info
    Enter your car make, specific model, and year. We finance new and used cars, trucks, minivans, SUV’s, motorcycles, boats and RV’s.
  4. Review Your Options
    Review your contract term, rate options and estimated monthly savings based on our preliminary review. If you have your Vehicle Identification Number (VIN), enter it on your application or you can add it after your application is complete.
  5. Finalize
    We’ll tell you what documents you need to complete the process, and ask you to provide your lender information for your existing loan payoff. Your lender information can be found on your most recent monthly auto loan statement.
  6. Apply Today and Save!
    It only takes a few minutes to submit your application, and you’ll be on your way to pocketing great savings!

What would my monthly payment be?

Loan Term Loan Amount Annual Percentage Rate as low as Payment Example
per $1,000 Borrowed
Up to 24 months $2,500+ 1.69% $42.40
36 months $5,000+ 1.69% $28.51
48 months $7,500+ 2.09% $21.74
60 months $10,000+ 2.29% $17.66
72 months $20,000+ 2.49% $14.97
84 months $20,000+ 3.09% $13.26
96 months $35,000+ 4.09% $12.23
Sample Monthly Payment of $265.05 for loan amount of $20,000 at 84 months with 3.09% APR.

Auto Buying Services

Our auto buying services, great financing options, and low interest rates make it easy for you to drive away in the car of your dreams today!

United Buying Services, (UBS)
If you hate negotiating over the price of your new or used car, this FREE service is for you. UBS has already done the legwork by establishing relationships with many car dealerships in Maryland, Virginia and the District of Columbia to ensure competitive prices on a variety of vehicles.

For more information or to request a purchase certificate, visit their website at ubs4cars.com or visit any Washington, DC or Virginia Justice FCU branch to view the UBS binder for specific information on the vehicle of your choice.

Motor Vehicle Certification Program, (MVCP)
If you hate haggling with dealers over the price of your new car, this FREE service is for you. MVCP has prearranged guaranteed prices at select dealerships across the Mid-Atlantic region that could save you significant money. Most models may be purchased for as little as $100 over factory invoice. Visit mvcp.com for a participating dealer near you.

Kelly Blue Book, (KBB)
Kelly Blue Book offers new car prices and used car values, car shopping advice, the latest news and reviews, and a link to dealer inventory. Visit kbb.com to learn more.

Edmunds
Since 1966 Edmunds has assisted automobile buyers by providing pricing information, vast amounts of automotive data, vehicle reviews, auto news, and photography. Visit their website at Edmunds.com.

MSN Auto
MSN Auto offers new car prices and used car values, car shopping advice, the latest news and reviews, pictures, videos, and a link to dealer inventory.

National Automobile Dealers Association, (NADA)
NADAguides.com is one of the most comprehensive vehicle information websites on the Internet today, consistently ranked in numerous independent studies as one of the Top 10 Automotive Websites in the U.S.

NADA provides information about-
• New and Used Cars, Trucks, Vans and SUVs
• Classic, Collectible, Exotic and Special Interest Vehicles
• Boats and Personal Watercraft
• Powersports: Motorcycles, ATVs & Snowmobiles
• Recreation Vehicles

Vehicle Refinance

If your current auto loan or lease payment with another financial institution is higher than you like, a refinance auto loan may help you lower your monthly payment and keep more money in your pocket.

LEARN MORE

TruStage Insurance Services

Visit Your Nearest Justice Federal Branch


Call Us 800.550.5328

Important Legal Disclaimers and Information

*APR = Annual Percentage Rate. Rate as of January 1, 2017 and subject to change without notice. Annual percentage rate may be higher based on past and present credit performance. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan.

**Interest will continue to accrue.

***$100 to be deposited into the Member’s Share Savings Account the 5th of the month following the month of the eligible refinance or purchase. $100 incentive and deferred payment not applicable to existing Justice Federal auto loan refinances. $1,500 minimum loan amount required to refinance an existing Justice Federal auto loan.

1 Example of repayment terms: 36 monthly payments of $28.54 per $1,000 borrowed.

2 Example of repayment terms: 96 monthly payments of $12.27 per $1,000 borrowed. Other rates and terms available. $2,500 minimum loan amount required to refinance an auto loan from another financial institution.Justice Federal reserves the right to withdraw this offer at any time.

See Representative for details.
Serving Justice Across the Nation®

Since 1935, Justice Federal Credit Union has provided a place for members to save and borrow; but more importantly, to belong.
You are not just a Member — You are an Owner.
We are proud to have remained true to our Founders’ vision of exclusively serving Members of the justice and law enforcement community and their family.

NAFCU Proud Member 2016
Equal Housing Lender

Copyright © 2016 Justice Federal Credit Union