Vehicle Loans

Whatever your Vehicle loan needs may be, APL FCU has ONE LOW RATE ~ WE PROMISE.

Any Term Up to 7 Years  and No Model Year Restrictions!

New and Used Autos

4.99%APR*

Motorcycle

4.99%APR*

Refinanced Autos

4.99%APR*

Classic Vehicle

4.99%APR*

Apply Online and get an APL FCU Auto Draft to make the car buying process easy. It gives you the freedom to shop for a great deal, with the negotiation power of a cash buyer.

Auto Loans

Whether you are purchasing a new or used vehicle, or refinancing a loan from another lender, APL FCU has one of the best auto rates in town.

Rows Array: 
                                Array
(
    [2342] => Array
        (
            [0] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] =>  Any Term Up to 7 Years No Model Year Restrictions
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [1] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => APR*
                    [CellHeaders] => apr_1008
                )

            [2] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => 
                    [CellHeaders] => _1008
                )

        )

    [5435] => Array
        (
            [3] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => New and Used Autos
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [4] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [5] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [3954002] => Array
        (
            [6] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Refinanced Autos
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [7] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [8] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [8269242] => Array
        (
            [9] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Motorcycle
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [10] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [11] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [8426133] => Array
        (
            [12] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Classic Vehicle
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [13] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [14] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

)

                                Headings Array:
                                Array
(
    [any_term_up_to_7_years_no_model_year_restrictions_1008] =>  Any Term Up to 7 Years No Model Year Restrictions
    [apr_1008] => APR*
)

Rates effective as of 04-23-2025 and are subject to change without notice.

Any Term Up to 7 Years No Model Year Restrictions

New and Used Autos

APR*

4.99%

Any Term Up to 7 Years No Model Year Restrictions

Refinanced Autos

APR*

4.99%

Any Term Up to 7 Years No Model Year Restrictions

Motorcycle

APR*

4.99%

Any Term Up to 7 Years No Model Year Restrictions

Classic Vehicle

APR*

4.99%

Apply 

Classic Cars

Certain older vehicles have unique value and, in fact, may increase in value each year. APL FCU offers classic vehicle loans up to $100,000 for these types of vehicles, with the same low rate and terms as our standard vehicle loans: 4.99% APR up to 7 years.

Some restrictions apply. For complete details or to apply for a Classic Car Loan, please contact the lending department at 443.778.5250, or stop by any APL FCU branch.

Motorcycles

Whether you are purchasing a new or used vehicle, or refinancing a loan from another lender, APL FCU has one of the best auto rates in town.

Rows Array: 
                                Array
(
    [2342] => Array
        (
            [0] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] =>  Any Term Up to 7 Years No Model Year Restrictions
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [1] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => APR*
                    [CellHeaders] => apr_1008
                )

            [2] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => 
                    [CellHeaders] => _1008
                )

        )

    [5435] => Array
        (
            [3] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => New and Used Autos
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [4] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [5] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [3954002] => Array
        (
            [6] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Refinanced Autos
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [7] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [8] => Array
                (
                    [RowID] => 3954002
                    [RowNumeric] => 2
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [8269242] => Array
        (
            [9] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Motorcycle
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [10] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [11] => Array
                (
                    [RowID] => 8269242
                    [RowNumeric] => 3
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

    [8426133] => Array
        (
            [12] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Classic Vehicle
                    [CellHeaders] => any_term_up_to_7_years_no_model_year_restrictions_1008
                )

            [13] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 4.99%
                    [CellHeaders] => apr_1008
                )

            [14] => Array
                (
                    [RowID] => 8426133
                    [RowNumeric] => 4
                    [ColID] => 9635035
                    [ColNumeric] => 2
                    [CellValue] => ApplyLearn More
                    [CellHeaders] => _1008
                )

        )

)

                                Headings Array:
                                Array
(
    [any_term_up_to_7_years_no_model_year_restrictions_1008] =>  Any Term Up to 7 Years No Model Year Restrictions
    [apr_1008] => APR*
)

Rates effective as of 04-23-2025 and are subject to change without notice.

Any Term Up to 7 Years No Model Year Restrictions

Motorcycle

APR*

4.99%

Apply 

Not a Member Yet?

As Howard County’s Community Credit Union, APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county. Family members of an APL FCU member are also eligible to join, even if they don’t live or work in Howard County, Md.

Why APL FCU? Join APL FCU