New and Used Auto Loans
A car that fits your lifestyle, with loans that fit your finances
Buying a car is easy with Jeanne D’Arc
Our auto loans are as easy as applying online or stopping by a Jeanne D’Arc branch. If you’re pre-approved, you’ll know exactly how much you can afford, empowering you to start your search as a motivated buyer with cash in hand.
Our auto loan process
It’s easy as 1, 2, 3.
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Apply
Work with one of our Loan Officers on your fee-free loan application. Apply online today.
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Shop
Use the power of pre-approval to shop with confidence, leveraging bargaining power when negotiating with sellers.
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Buy
Find a car you love and take it home, with a monthly payment that works for you and your finances.
Current auto loan rates
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Model Year |
Maximum Term |
APR as low as* |
Payment per $1000 borrowed |
|---|---|---|---|
|
*APR = Annual Percentage Rate. 5.75% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 5.75% APR is for the purchase of a 2023, 2024 and 2025 model automobile. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $17.94 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 1/1/2025 and are subject to change without notice. All auto loans will include an additional $41 VSI charge and a $5.00 Membership Account is required. |
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Model Year 2025 – 2023 |
Maximum Term 36 months |
APR as low as* 5.75% |
Payment per $1000 borrowed $30.31 |
|
Model Year 2025 – 2023 |
Maximum Term 48 Months |
APR as low as* 5.75% |
Payment per $1000 borrowed $23.37 |
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Model Year 2025 – 2023 |
Maximum Term 65 Months |
APR as low as* 5.75% |
Payment per $1000 borrowed $17.94 |
|
Model Year 2025 – 2023 |
Maximum Term 75 Months |
APR as low as* 6.49% |
Payment per $1000 borrowed $16.26 |
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Model Year 2025 – 2023 |
Maximum Term 84 Months |
APR as low as* 7.49% |
Payment per $1000 borrowed $15.33 |
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Model Year 2022-2020 |
Maximum Term 48 Months |
APR as low as* 5.75% |
Payment per $1000 borrowed $23.37 |
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Model Year 2022-2020 |
Maximum Term 65 Months |
APR as low as* 5.75% |
Payment per $1000 borrowed $17.94 |
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Model Year 2022-2020 |
Maximum Term 75 Months |
APR as low as* 6.99% |
Payment per $1000 borrowed $16.50 |
|
Model Year 2019-2015 |
Maximum Term 65 Months |
APR as low as* 6.25% |
Payment per $1000 borrowed $18.18 |
We're more than just great rates!
Get our Ultimate Guide to Car Buying to help you get the best deal!
Why choose JDCU for your auto loan
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Borrow up to $100,000
Get into a car that works for you and your budget, with up to $100k in available loans.
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Up to 125% financing
Don’t get bogged down by interest, with up to 125% financing based on NADA Retail Value.
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Terms that fit your needs
A monthly payment you can handle, with terms that align with your life and financial situation.
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No application fees
Don’t sweat the application process. No need to worry about hidden fees.
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No prepayment penalties
No prepayment penalties, because paying off your loan should be a celebration, not a worry.
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Shop with our Pre-Approved Check
Shop confidently with our Pre-Approved Check, so you have leverage when negotiating with sellers.
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Skip a payment
Our Skip-A-Pay program allows you to skip one monthly payment on a qualifying loan, for when money gets a little tight.
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Save on insurance
Take advantage of savings and discounts with MAPFRE1 and TruStage™ Auto Insurance.2
Auto Loan FAQs
The amount of your auto loan depends on multiple factors, but the maximum loan amount on any used or new vehicle is $100,000. However, you cannot finance a vehicle from 2012 or older.
If the vehicle you are looking to take out a loan for is from 2012 or older, you can use a personal unsecured loan.
- Model years from 2020 to 2022 have terms available up to 84 months
- Model years from 2017 to 2019 have terms available up to 75 months
- Model years from 2012 to 2016 have terms available up to 65 months
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Ready to change your financial future?
Disclosures
1For Massachusetts residents only. MAPFRE Insurance is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, including The Commerce Insurance Company (Webster, MA) and Citation Insurance Company (Webster, MA). Not all products are available in all states. Coverage is subject to policy terms, conditions and underwriting eligibility. Credits and discounts may not be available on all coverages or policies. Limits, exclusions and deductibles may apply.
2TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
Use of this agent/company is not required when applying for a real estate or auto loan.
Please be aware that Insurance products offered: (1) are not a deposit or other obligation of, or guaranteed by, Jeanne D’Arc Credit Union or an affiliate of the institution; (2) is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the institution, or an affiliate of the institution; and (3) and not insured by any government agency, and may lose value.
Jeanne D’Arc Credit Union is not a registered broker-dealer or Registered Investment Adviser. Jeanne D’Arc Credit Union, MAPFRE Auto Insurance, and TruStage™ Auto Insurance are separate and unaffiliated entities.