when choosing a better car, choose a better loan
Let CapFed® help you get the best deal on your next car purchase by securing your auto financing before you start shopping. A lot of time and research can go into selecting a car to purchase, and you’ll be ready to get the best deal, whether you’re buying a new or used vehicle, refinancing or purchasing a lease buyout.
- Quick loan decisions
- Competitive rates
- Opportunity to save 0.25% with automatic payment from a CapFed savings or checking account
automobile, light truck and Motorcycle rates
Rates and fees are subject to change without notice. Rates are effective as of September 12, 2024.| Vehicle Model | Minimum Loan | Maximum Term | Maximum LTV | Interest Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|---|
| New Vehicles | |||||
| New Models | $1,500 | 48 months | 100% | 7.000% |
7.103% |
| New Models | $1,500 | 60 months | 100% | 7.250% |
7.334% |
| New Models | $1,500 | 72 months | 100% | 7.500% | 7.571% |
| Previously Owned | |||||
| 4 Recent Model Years | $1,500 | 48 months | 100% | 7.000% | 7.147% |
| 4 Recent Model Years | $1,500 | 60 months | 100% | 7.250% | 7.370% |
| 8 Recent Model Years | $1,500 | 48 months | 100% | 7.500% | 7.648% |
| 9 or Older Recent Model Years | $1,500 | 36 months | 100% | 8.000% | 8.194% |
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Complete a CapFed® consumer loan application online.
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CONTACT USnew automobile, light truck and Motorcycle disclaimer
The Maximum Loan-to-Value (LTV) is calculated using the purchase price of the vehicle, before any trade-in or other down payment. Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes a $50,000 loan amount for the maximum term. Using the example of a $50,000 loan, 72 monthly payments of $866 would be required. The interest rate and corresponding APR may be reduced by 0.25 percent with preauthroized payment from a Capitol Federal® checking or savings account.Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
previously owned automobile, light truck and motorcycle disclaimer
The Maximum Loan-to-Value (LTV) is calculated using the NADA retail value of the vehicle.Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes a $35,000 loan amount for the maximum term. Using the example of a $35,000 loan amount on a vehicle within the four most recent model years, 60 monthly payments of $699 would be required.
The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
Head Out with a Recreational Vehicle (RV) Loan
Whether you are exploring the roads in your Recreational Vehicle (RV) or turning your travel hobby into a lifestyle with a new motor home, Capitol Federal® has you covered. Capitol Federal provides flexible financing to purchase or refinance a new or used recreational vehicle or motor home - and get you on the road today!
More on Recreational Vehicle Loans
