You deserve a better auto financing experience.
Affinity is a credit union—a not-for-profit financial cooperative that exists to serve members because we're owned by our members. When you finance through Affinity, there are no application fees or pre-payment penalties, and we'll even give you a 0.25% APR1 rate discount when you set up automatic loan payments1.
THREE REASONS TO CHOOSE AFFINITY FOR YOUR AUTO LOAN
45-day preapprovals let you shop with confidence
Preapproval lets you lock in your rate and loan amount, so you can take your time to find the perfect new car, truck, or SUV.
Competitive rates and terms of up to 96 months1
Our member-only rates and flexible terms give you more options, so you can find the option that fits your financing needs.
Financing, even if you owe money on your current vehicle
Still owe money on your current car, truck or SUV after trade-in? We may be able to help.
HOW TO APPLY FOR AN AFFINITY AUTO LOAN
Costco® Auto Program
Shop new and pre-owned vehicles easily online from more than 3,000 hand-selected dealerships nationwide. Get a Costco membership or $50 Costco Shop Card2 when you purchase your vehicle through Costco.
AFFINITY IS MORE THAN JUST AUTO LOANS
Guaranteed Asset Protection (GAP)
Stay financially protected if your vehicle is ever stolen or totaled.
Mechanical Breakdown Protection
Added protection for covered mechanical or electrical failures.
Debt Protection Coverage
Ensure loan payments are made for an unexpected job loss, death or disability.
Auto Insurance Coverage
Get the auto insurance coverage you need at an affordable price.
Frequently asked questions about new auto loans
Who can apply for a vehicle loan?
You must be an Affinity Federal Credit Union member and be 18 years of age or older.
Is there a prepayment penalty if I pay my loan off early?
No. Affinity does not charge prepayment penalties on auto loans.