AUTO LOANS
Choosing a car should be the hard part, not paying for it.
Whether it’s your very first car, something bigger for the family, or you have limited credit; we have options to get started today. We’ll work hard to get you qualified for the vehicle loan you need.
New and used cars, trucks, and SUVs. Several options for any budget.
Quick Application
Pre-approval can help take the stress out of high-pressure sales tactics.
Flexible Options
With FECA’s low rates and term options, we can make your payments match your budget.
Easier Purchasing
A Loan Officer will guide you through the purchase process speeding up the final paperwork.
New & used auto rates
| NEW Auto Loan Rates | ||
| Term | Rates as low as: | |
| Up to 36 months | 5.74% APR | |
| 37 - 60 months | 6.24% APR | |
| 61 - 72 months | 6.99% APR | |
| 73 - 84 months | 7.24% APR | |
| USED Auto Loan Rates | ||
| Term | Rates as low as: | |
| Up to 36 months | 5.99% APR | |
| 37 - 60 months | 6.99% APR | |
| 61 - 72 months | 7.24% APR | |
| 73 - 84 months | 7.49% APR | |
First-Time Buyers
Buying a car for the first time, or with limited credit? We have a special program just for you!
Call 901-332-9232 or 800-833-3544 (if outside the 901 area code)
Credit Restoration Auto Loans
Even with a discharged bankruptcy on your credit report, you might still be eligible for financing a new/used car through us. Speak to our loan department for details.
Call 901-332-9232 or 800-833-3544 (if outside the 901 area code)
Protecting your vehicle
We offer FECA members various discounts with a range of customizable insurance services for your financial security. Find the right coverage for your needs today.
APR = Annual Percentage Rate.
Rates are effective as of the date listed on the Rates page.
Rates are subject to change without notice. Rates are based on an evaluation of credit history, so your rate may differ.