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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.

Our Rates

New Automobiles (2022 and Newer)
TermAPR* (As low as)Estimated payment per $1000
48 Months5.65%$23.36
66 Months6.15%$17.93
75 Months6.35%$16.22
84 Months6.85%$15.05
Used Automobiles
TermAPR* (As low as)Estimated payment per $1000
66 Months6.40%$18.05
75 Months6.90%$16.48
TermAPR* (As low as)Estimated payment per $1000
60 Months6.99%-
66 Months7.49%-

Dirt Bikes, ATV, PWC
TermAPR* (As low as)Estimated payment per $1000
60 Months6.99%-
66 Months7.49%-
TermAPR* (As low as)Estimated payment per $1000
72 Months7.99%-
73-144 Months8.49%-
Utility Trailers, Tractors, Snowmobiles, Airplanes
TermAPR* (As low as)Estimated payment per $1000
60 Months9.99%-
61-84 Months10.49%-

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.
  • Debt protection program option available.
Family in car

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
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
Chapman Ford
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
Jeff Wyler Acura of Dayton
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

Buckeye City Motorsports
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


Vehicle Loan Basics

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

Protect Your Loan

Honda FCU can be your financial safeguard against the unexpected.  We offer optional debt protection* on all of our consumer loans: vehicle/personal/credit card loans. 

Debt protection offers the peace of mind in knowing your loan payment is covered in the event of disability due to injury/illness/involuntary unemployment or death.

Value of our Debt Protection Program:

• It’s easy – Simply ask for this option when you apply for your consumer loan.

• It’s budget-friendly – Comfortably fits into your monthly payment.

• It puts you at ease – Rest easy, knowing you may be taken care of in any unexpected situation/event.

For additional program information, please click here.

Click here to submit a claim.  If you prefer, call 1-800-621-6323 to begin the process and a CUNA Mutual Group** Claims Specialist will guide you through the process.

*Honda FCU does not offer debt protection on our real estate products. Your purchase of our Debt Protection Program is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of our program?You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.** CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

Unique ID & Copyright - DP-3415586.1-0121-0423.  CUNA Mutual Group ©2021, All Rights Reserved.

Frequently asked vehicle questions

*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.