Smiling woman wearing a hat leaning up against a white vehicle

Used Auto Loans

Smart financing for sensible shoppers.

It’s New To You

Discover RadiFi’s used auto loan options for affordable financing solutions. If you’re in the market for a pre-owned vehicle, RadiFi offers flexible options tailored to your needs. Apply now and get behind the wheel with confidence.

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The Best Rates Available

Loan rates so good, they’re likely to cause whiplash.

Rely on us for the lowest rates and extended terms — up to 84 months.

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Flexible Payment Options

Payments on a timeline of your choice.

We believe in extreme flexibility and fairness — you’ll pay no prepayment penalties.

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Insider Info & Insights

Information is power.

Get your free credit score and make an informed purchase with details on KBB, NADA, Black Book car values.

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Easy Steps to Get You In Gear

Get it done the easy way. Online, over the phone, or at one of our branches.

Qualified borrowers can get an express draft (like a check) within an hour.

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Member Benefits

RadiFi members get even more.

Take advantage of our Relationship Discount Program, Auto Insurance, Loan Protection and once a year Skip-A-Payment options.

Used Auto Loan Rates

Used Auto, Van, Pickup, SUV² (2017-2024, greater than 7,001 miles)

Term2

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 APR = Annual Percentage Rate. APRs are effective as of 07/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

2 Mileage could affect the maximum term allowed. Max mileage is 150,000.

3 67-78 Months: $15K minimum.

4 79-84 Months: $25K minimum.

Term2

0-48 Months

APR1 as low as

6.75%

Estimated Payment per $1,000 Borrowed

$23.83

Term2

49-66 Months

APR1 as low as

7.00%

Estimated Payment per $1,000 Borrowed

$18.30

Term2

67-78 Months3

APR1 as low as

7.50%

Estimated Payment per $1,000 Borrowed

$16.24

Term2

79-84 Months4

APR1 as low as

8.69%

Estimated Payment per $1,000 Borrowed

$15.93

Older Used Auto (2014-2016, less than 150,000 miles)

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 APR = Annual Percentage Rate. APRs are effective as of 07/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

Term

0-48 Months

APR1 as low as

9.59%

Estimated Payment per $1,000 Borrowed

$25.17

Term

49-60 Months

APR1 as low as

9.84%

Estimated Payment per $1,000 Borrowed

$21.17

Classic Cars²

Term

APR1 as low as

Estimated Payment per $1,000 Borrowed

Payment examples are based on the highest term in each tier.

1 APR = Annual Percentage Rate. APRs are effective as of 07/01/2024 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

2 Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.

3 60-72 Months: $20K minimum.

Term

0-48 Months

APR1 as low as

10.09%

Estimated Payment per $1,000 Borrowed

$25.41

Term

49-60 Months

APR1 as low as

10.34%

Estimated Payment per $1,000 Borrowed

$21.41

Term

60-72 Months3

APR1 as low as

10.59%

Estimated Payment per $1,000 Borrowed

$18.82

CRUNCH YOUR NUMBERS

Put yourself in the driver’s seat with our free calculators.

Our Members Empower Us

We’re dedicated to empowering you, which fuels everything we do.

Very professional and polite staff. Most of all, good condition of auto loan, as well as easy and transparent access to all information about loan.”

— Samir A., Member

ALL YOUR BURNING QUESTIONS ANSWERED

Simply let your insurance agent know that RadiFi Federal Credit Union should be listed as Lienholder. Then, update your insurance at www.myloaninsurance.com and receive a verification email within 24 hours. Or, your agent can fax proof of insurance, listing the lienholder as RadiFi Federal Credit Union to (877)-265-4392.

Not finding what you’re looking for? See all our FAQs.

Receive a relationship discount of 0.25% off your next auto loan!

Our thanks for being a great RadiFi Member.
Qualify for our discount by having an active checking account and $1,000+ per month in payroll direct deposit.

Learn More

Have Questions? Let’s Chat.

Our auto loan experts are ready and able to answer your questions regarding auto loans, refinancing, and much more.

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904-475-8000
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