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Vehicle Loans

Fund your car, truck, motorcycle, boat, RV or ATV purchase.

Whether you’re buying new or used, you can finance your next vehicle through Honda FCU. Or if you’re unhappy with your current loan, we offer competitive refinancing terms as well. Learn more about vehicle loans.

Features of our Vehicle Loans include:

  • 100% financing.
  • Competitive rates.
  • Terms up to 84 months.
  • Choose a secured loan for a lower rate or an unsecured loan to have no collateral.
  • Optional automatic payments with payroll deduction or account transfers.
  • Zero processing fees or prepayment penalties.
Family in car

Prepare yourself for the vehicle loan process. Get an overview of vehicle loans.


Vehicle Loans Rates

New Automobiles (2021 and Newer)
TermAPR* (As low as)Estimated payment per $1000
48 Months2.59%$21.96
66 Months2.84%$17.94
75 Months3.34%$14.84
84 Months3.84%$13.64
Used Automobiles
TermAPR* (As low as)Estimated payment per $1000
66 Months3.09%$16.54
75 Months3.59%$14.95
TermAPR* (As low as)Estimated payment per $1000
60 Months3.99%$18.44
66 Months4.49%$17.15

Dirt Bikes, ATV, PWC
TermAPR* (As low as)Estimated payment per $1000
60 Months4.49%$18.69
66 Months4.99%$17.38
TermAPR* (As low as)Estimated payment per $1000
72 Months4.99%$16.13
73-144 Months5.49%$9.52
Utility Trailers, Tractors, Snowmobiles, Airplanes
TermAPR* (As low as)Estimated payment per $1000
60 Months6.99%$19.84
61-144 Months7.49%$10.57

Frequently asked vehicle questions

Get on-the-spot vehicle financing at participating local dealers in Alabama, Ohio and Indiana. DealerNet is a growing network of dealers providing Honda FCU financing. Apply for the loan and sign the documents right at the dealership.

Here’s how it works:

  1. Choose your new or used car, motorcycle, ATV, RV or boat at one of our DealerNet dealers.
  2. Mention that you are a Honda FCU member.
  3. If you were pre-approved, submit your pre-approval letter. If not, apply for a loan at the dealership.
  4. Sign the loan documents at the dealership after your application is approved.
  5. Drive away with your vehicle!

List of dealernet Dealers

All links, mentions, or references to other companies is solely for informational purposes to our members, and should not be construed as an endorsement or relationship other than what is plainly stated where such connection is made.

Ohio Dealernet Auto

A & J Auto Sales Inc. in Bellefontaine
Acura Columbus in Dublin
Bellefontaine Motor Sales in Bellefontaine
Bill Marine Auto Group in Springfield
Bob Chapman Ford/Mercury in Marysville
Buckeye Ford in London
Buckeye Ford in Sidney
Buds Chevrolet in St. Marys
Buds Chrysler, Dodge, Jeep in Celina
C&N Motor Cars LLC in Marysille
Chesrown Chevrolet Buick GMC
Coughlin Chevrolet in Marysville
Coughlin Chrysler Jeep Dodge Ram in Marysville
Dave Carothers Custom Auto Sales in Bellefontaine
Dave Kehl Chevrolet in Mechanicsburg
Erwin Chrysler Dodge Jeep in Troy
Evans Chevrolet Buick GMC
Germain Chevrolet Buick GMC Cadillac of Sidney
Germain Chrysler Dodge Jeep Ram Fiat of Sidney
Germain Honda of Beavercreek
Germain Honda of Dublin
Honda Marysville
Hugh White Honda in Columbus
Integrity Ford of Bellefontaine, OH
Jacobs Motors in Bellefontaine
Joe Morgan Honda
John Hinderer Honda in Heath
Josh’s All Under Ten LLC in Elida
Kerns Chevrolet Buick GMC in Celina
Kerns Ford in Celina
Kerns Ford in St. Mary's
Liberty Motors in West Liberty
Lima Auto Mall in Lima
Lindsay Acura in Columbus
Lindsay Honda in Columbus
Mathews Dodge Chrysler Jeep in Marion
Mathews Ford in Marion
Mathews Honda in Marion
Mathews Hyundai in Marion
McDaniel Chevrolet in Marion
McDaniel Toyota in Marion
MIG Chrysler Dodge Jeep Ram in Bellefontaine
North Main Motors in Marysville
Performance Chrysler Jeep Dodge Ram in Delaware
Platinum Auto in Minster
Platinum Motors LLC in Heath
Platinum Motors LLC in Reynoldsburg
Reser Motorsales in Urbana
Rino's Auto Sales in Celina
Roush Honda in Westerville
Serra Acura in Akron
Serra Chevrolet in Akron
Serra Honda in Akron
Sherry Chrysler Dodge Jeep Inc. in Piqua
St. Marys Chrysler, Plymouth, Dodge and Jeep
Steve Austin's at the Lake in Lakeview
Steve Austin's Auto Group in Bellefontaine
SVG Urbana LLC in Urbana
Tom Ahl Buick GMC in Lima
Tom Ahl Chrysler Dodge in Lima
Tom Ahl Hyundai in Lima
Tom Ahl Under 10 in Lima
Toy Barn in Dublin
Toyota Direct in Columbus
Voss Honda in Tipp City
Wapak Ford LLC
White Allen Honda in Dayton
White's Ford in Urbana
White's Honda of Lima

Ohio Dealernet Motorcycle and ATV

Honda Marysville Motorsports
Honda Powersports in Troy
Lima Harley-Davidson in Lima
Ohio Cycle Worx in Lima
Prenger Implement in Minster
Ride 1 Powersports in Springfield

Ohio Dealernet Boat and RV

Bud's Marine in Huntsville
Durnell's RV Sales Inc. in Lakeview
Matthews RV Supercenter in Marion
MIG RV and Marine Super Center Inc in Bellefontaine, OH
Spend A Day Marina in Russells Point


Attention high school and college graduates! Get the wheels that meet your needs with the Honda FCU Graduate Auto Loan Program. It’s also a great way to establish good credit. This special program not only comes with an Auto Loan, but also a Credit Card and Checking Account.


  • 0.25% discount on the loan rate.
  • Automatic approval for a Visa Classic Credit Card.
  • A Checking Account with a free $50 bonus.*

Contact us for more information at 800-634-6632

GAP Plus is like an air bag for your vehicle loan. This Guaranteed Asset Protection (GAP) program can help cushion you against sudden out-of-pocket expenses in the event of your new vehicle being totaled in an accident. Ordinarily, there would be a gap between what your vehicle insurance would pay and what you would owe on your loan. GAP Plus reduces or eliminates this coverage gap, helping you worry a little less about tomorrow.

How it works:

Loan Balance Graph

The second you drive your new vehicle off the lot, it drops in value. More than 20% of the value is lost in one year.† So if your car is totaled or stolen in the early months of paying off your loan, you could be left making loan payments on a car you don’t have.

For more information and to sign up for GAP Plus, call 1-800-634-6632


Vehicle Loan Basics

Before you buy your next vehicle, brush up on the terminology you’ll want to know.

*APR = Annual percentage rate. Rates may vary.

$50 checking account deposit requires automatic payment for the auto loan from your Honda Federal Credit Union checking account. On approved credit. Employment verification and minimum income required. Co-signer may be required. Other restrictions may apply.

† Source: Carfax.