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Your Dream Car is A Click Away!

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FedChoice Can Help You:

Search for a Car

No need to visit multiple dealerships to find your dream car. With our Car Buying Service, you can view thousands of new and pre-owned vehicles from wherever you are. Find the car you want, and get guaranteed, hassle-free pricing!
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Find the Best Auto Loan

With low rates and flexible terms, you can find a loan that fits your need! Want to pay your car off quickly? We can help! Prefer to take your time? We can help with that, too. Plus, choose your payment date and take up to 90-days before making your first payment.
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Get Pre-Approved

Have your financing approved before you even set foot into a dealership - make your buying experience easier than ever!
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Refinance Your Current Vehicle

With low rates like the ones here at FedChoice, refinancing your auto loan from another lender could help you to lower monthly payment, or pay off your loan faster.
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Get Auto Insurance

Ready to save? Our partners at TruStage® Auto Insurance help members save an average of $665.* Plus, with benefits like Multi-Car discount and Claims-Free discount, you could save even more.
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Protect Your Purchase

Add-on services like GAP (Guaranteed Asset Protection) and Mechanical Breakdown Protection give you even more protection for your ride.

Avoid Hidden Problems

When you finance a used car with FedChoice, you'll get a free CarFax Vehicle History Report. That way, you can minimize your risk and avoid cars with hidden problems.  
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The following rates are effective on December 1, 2023 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Auto/Motorcycle Fixed Loan Rates
Model Year Loan Amount Term APR* as low as**
New $5,000 min up to 60 mos. 5.24%
New $15,000 min 61 to 72 mos.~ 5.39%
New $15,000 min 73 to 84 mos. 6.39%
Used/Refinanced $5,000 min up to 60 mos.


Used/Refinanced $15,000 min 61 to 72 mos.~ 5.99%
Late Model Used/Refinanced+ $3,000 min up to 36 mos. 7.74%

If you don’t see what you need, please contact us to discuss how we can help you.
Financing Up to 125% of MSRP or NADA Clean Retail — Including tax, title and warranty products.^
All loans must be current & have satisfactory payment history.
New = never titled and less than 12,000 miles, Used = previously titled.

*APR = Annual Percentage Rate
**APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
~ New and Used Motorcycle loans are limited to 60 months.
^ Other conditions may apply.

+Late Model is considered older than 10 model years. Financing up to 100% of NADA Clean Retail - Including tax, title and warranty products. Other conditions may apply.


Auto/Motorcycle Fixed Loan Rates
Age of Vehicle Maximum Term/Dollar Value

Current to Five Years Old

Max. 72 months if over $15,000
Max. 60 months if over $5,000

Six and Seven Years Old

Max. 48 Months

Eight to Ten Years

Max. 36 Months

Over Ten Years Old Max. 36 Months