New Auto Loans

  • Finance up to 100% of new vehicles' value, plus tax, tags and warranty
  • Terms up to 84 months for loan requests beyond $15,000
  • Available for vehicles with fewer than 5,000 miles

Used Auto Loan

  • Finance up to 100% for vehicles up to seven years old (plus tax, tags and warranty) with terms up to 72 months
  • Terms up to 84 months available for loan requests beyond $15,000

Classic Auto Loan Rates

  • Vehicles must be at least 30 years old
  • Financing available up to 80% of appraised value, as long as the value is $10,000 or more
  • Terms up to 60 months

SMART Auto Financing

  • Extend your term to lower monthly payments
  • $15,000 minimum amount to finance

Learn More

Find Your Car

  • Research: Select a model to get started. Search dealer inventories for your next car.
  • Finance: Find out what you can afford. Learn what your monthly payment would be. Get preapproved.

Learn More

New Vehicle 72 Months

Company Compare Rate
Bank of America
Wells Fargo Bank

Used Vehicle 72 Months

Company Compare Rate
Bank of America
Wells Fargo Bank

Trading your car in?

Search out the value of your current car prior to going to the dealer.

Buying a pre-owned vehicle?

Search out the value of the car you are considering to make yours.

An informed shopper is a wise shopper. Be informed!


Find the retail value of your next vehicle

National Automobile Dealers Association

Find the trade-in value of your current vehicle

Kelley Blue Book

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Auto 2.49% 66 months $16.25
New Auto 2.74% 75 months $14.54
New Auto 3.74% 84 months ($15,000 minimum) $13.57
Used Auto (2007-2008) 2.74% 48 months $22.05
Used Auto (2009-2010) 2.74% 60 months $22.05
Used Auto 2011 2.99% 72 months $15.21
Used Auto (2012 or newer) 2.74% 66 months $16.38
Used Auto (2012 or newer) 2.99% 75 months $14.66
Used Auto (2015 or newer) 4.49% 84 months ($15,000 minimum) $13.92
Classic Auto 3.99% 60 months $18.45
SMART Auto 4.49% 10 years $10.38

1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $287.93 or $19.20 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate. Auto Loans are not available in Puerto Rico.

2APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Members applying for an auto loan no later than September 30, 2017 may have the option to defer their first payment for 90 days. Interest will continue to accrue during the deferral period and will be collected with your first loan payment. May not be combined with any other Ardent offer. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply.