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Vehicle Loans - Auto, Boat, RV

New & Used Auto Loans

NCPD FCU will finance 100% of MSRP for new vehicles up to $60,000 or 90% of the NADA retail book up to $40,000 for used models. Payment terms range from 36 to 72 months for new autos and 24 to 60 months for used vehicles.

Check out our rate board for our fixed rates.

Try our Loan Calculator to calculate your bi-weekly or monthly payment.

New Auto Loan Requirements:

  1. Bill of sale with year, make, model, and VIN for vehicle, signed by you (as the purchaser) and the dealer.
  2. W-2 or copy of prior year 1040 and current pay stub (ONLY IF YOU ARE NOT CURRENTLY EMPLOYED BY THE NCPD).

Used Auto Loan Requirements:

If purchased from dealer:

  1. Automobile must be 4 years old or newer and have less than 50,000 miles.
  2. Bill of sale with year, make, model, VIN, and mileage.
  3. W-2 or copy of prior year 1040 and current pay stub (ONLY IF YOU ARE NOT CURRENTLY EMPLOYED BY THE NCPD).
  4. Copy of binder from Auto Insurance Company listing NCPD Federal Credit Union as loss payee on policy.

If purchased privately:

  1. Automobile must be 4 years old or newer and have less than 50,000 miles.
  2. Bill of sale with year, make, model, VIN, mileage, and selling price agreed upon and signed by you and the seller.
  3. Income documentation as explained above
  4. Copy of Title
  5. Payoff letter from lien holder, with per diem, if car is currently financed.
  6. Copy of binder from Auto Insurance Company listing NCPD Federal Credit Union as loss payee on policy.

Check out our rate board for our fixed rates.

Try our Loan Calculator to calculate your bi-weekly or monthly payment.

Boat Loan

You can finance up to $100,000 for a new or used boat with NCPD FCU. Terms are 12-120 months and the interest rate will vary depending on the loan amount.

RV (Recreational Vehicle) Loan

Finance up to $100,000 for a motor home with the credit union. The length of the loan term will be 12-120 months and the interest rate will vary depending on the loan amount.

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