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Loans: Auto Loans


Auto Loans

Rates as low as

4.99% APR *



a man and woman look at a map as they set out on a road trip in their new auto.



New & Used Auto Loans

Get behind the wheel of a new auto with our affordable and convenient loans to fit your needs and budget. Whether you're purchasing a new or used vehicle or refinancing an existing loan, we make the process quick and easy. We also offer extended warranties and guaranteed asset protection (GAP) to help you protect your new investment.


New Car Loans

Rates as low as

4.99% APR*

Pre-Qualify Learn More

Used Car Loans

Rates as low as

5.49% APR*

Pre-Qualify Learn More

Loan Refinancing

Rates as low as

4.99% APR*

Pre-Qualify Learn More


Refinancing? Click here for details about getting 1% cash back up to $250*!


Topside Federal Credit Union Auto Loan Benefits

You deserve an auto loan that fits your needs while leaving some extra cash in your monthly budget, and at Topside FCU, we have you covered. See the great benefits of our loans and then apply today.


Low Interest Rates

Easy Online Application

Convenient electronic document signing feature

Free automatic transfer

Free online and mobile banking access 24/7

Funds often available same day as approval

GAP coverage and extended warranty options available

Calculate Your Car Loan Payment

Use our calculator to find a loan amount and payment that works in your budget. Then get pre approved, so you have the negotiating power at the dealership.

Est. Monthly Payment: 0


The above calculator is based on our rates for new auto loans. For our used auto loan rates, visit our used auto loans page.

See Our Quick & Easy Application Process

step 1 Apply OnlineQuick and easy online application.
step 2 Sign Your LoanAgree to the loan amount, rates, and terms.
step 3 Get a CheckUse your check to buy your new auto.



“I felt like a family member was taking care of our loan refinance. I would recommend Topside to anybody. ”

Michael, member since 1988



Topside's Find My Ride

Not only will we help you fund your dream car, but we’ll help you find it too. Our Find My Ride service helps you research and find the right vehicle at the right price.

Using Topside's Find My Ride, you can search for the perfect ride using criteria like make and model and monthly payment. Just input how much you can afford each month, whether you want a new or used car, how much of a down payment you have, and Find My Ride will show you hundreds of options to fit your needs.

Shop Today


Auto Loan Resources

See some other services and programs we offer to help you achieve your financial goals. If you have questions about them or our other products and services, please let us know. We are here to help.

GAP Insurance

a man and woman talk by the roadside about a car accident they just had.

Waive all or part of your remaining loan balance if an accident happens.

Learn More

Mechanical Breakdown Protection

a man with a broken-down car that has the hood up tries to work on it with a sunset in the background.

Protect your vehicle from unexpected repair costs due to mechanical or electrical failure.

Learn More

Car Pricing Resource

a smiling woman signs loan papers to buy a car at a dealership.

Research the latest new car prices by book value with this authoritative source.

Learn More


Credit Protection

Approximately every 7 seconds a working age American suffers a disabling injury or illness that’ll last for at least one month (source:, and nearly 90% aren’t work related and therefore NOT covered by workers comp (source: Facts from LIMRA). If this happened to you, would you be able to make it by without your paycheck? With credit protection, we can help you keep your loans and credit under control.

Life Coverage: designed to reduce or pay off the insured balance of your loan if you die.

Disability Coverage: designed to pay your loan payment up to the contract limit if you become disabled due to illness or injury & are unable to work.

Involuntary unemployment: designed to pay your scheduled monthly payment up to the contract limit if you become involuntarily unemployed.



Ready to Get Pre Approved for a New Car Loan?

It’s time to drive off in your dream car. Apply now or contact us with questions. We’re always here to help.




*Annual percentage rate may vary depending on individual credit history and underwriting terms. View for more information.