Credit union · Privately insured
AdelFi Christian Banking Auto Loan Rates
AdelFi Christian Banking auto loans start at 6.49% APR for a new vehicle and 8.99% for a used one. Rates checked October 16, 2026.
How AdelFi Christian Banking’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where AdelFi Christian Banking has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
AdelFi Christian Banking
6.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New & Used Vehicle Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
AdelFi Christian Banking auto loan score
61
Auto loan score
Higher than 5% of U.S. banks and credit unions
- New vehicleNew6.49%
- Used vehicleUsed8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AdelFi Christian Banking ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
Refinance existing auto loans. Refinances for existing AdelFi loans will require a $2,500 cash out, if the vehicle has good value. Membership eligibility required; a $25 one-time membership fee applies if you do not have a deposit account when applying (waived if opened within 30 days of loan approval).
| Terms | APR | Conditions |
|---|---|---|
| — | 6.49% | Fixed rate loan. Reflects 0.25% discount for new members (joined within last 6 months) OR for members using automatic payments from an AdelFi Checking Account. Monthly payment for $10,000 for 60 months at 6.49% APR would be $196.10. Not all borrowers will qualify for lowest rate; rates based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Refinances for existing AdelFi loans require $2,500 cash out if vehicle has good value. |
Sources (2)
All captured Oct 16, 2026
Lease Buyout and Cash Out Auto Loans
Fixed rate loan. Up to 135% financing for 84 months for applicants with credit score of at least 780. Reflects 0.25% discount for new members (joined within last 6 months) OR for members using auto pay with Credit Union Checking Account. Refinances for existing AdelFi loans require $2,500 cash out if vehicle has good value. Rates subject to credit approval, age of collateral, and mileage. Membership eligibility required; $25 one-time membership fee if no deposit account at time of loan application (waived if deposit account opened within 30 days of loan approval).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | For 60 months. Reflects 0.25% discount for new members OR auto pay from Credit Union Checking Account. Monthly payment for $10,000 for 60 months at 6.99% APR would be $198.49. Rates based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Refinances for existing AdelFi loans require $2,500 cash out if vehicle has good value. |
Sources (2)
All captured Oct 16, 2026
New & Used Vehicle Loans
Membership eligibility required. Fixed rate loans. A $25 one-time membership fee applies if applicant does not have a deposit account when becoming a member by applying for a loan (waived if a deposit account is opened within 30 days of loan approval). Rate reflects 0.25% discount for new members (joined within last 6 months) OR for members using automatic payments from an AdelFi Checking Account. Refinances for existing AdelFi loans require a $2,500 cash out if vehicle has good value. Rate increases to base rate for credit scores below 700: add 0.50% for every 5% above Base LTV limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years. Up to 135% financing for credit score >= 780 for up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | For 60 months. Reflects 0.25% discount for new members or members using auto pay from an AdelFi Checking Account. Monthly payment for $10,000 for 60 months at 6.49% APR is $196.10. Rate based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Rate increases to base rate for credit scores below 700: add 0.50% for every 5% above Base LTV limit (subject to OTD LTV limits, max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years. |
| up to 84 months | 8.24% | For 84 months. Monthly payment for $10,000 for 84 months at 8.24% APR would be $157.59. Rate reflects 0.25% discount for new members or auto pay from AdelFi Checking Account. Rate based on credit history and underwriting factors. Up to 135% financing for applicants with credit score of at least 780. Rate subject to credit approval, age of collateral, and mileage. Rate increases apply for credit scores below 700. |
Sources (2)
All captured Oct 16, 2026
Private Party Auto Loans
Fixed rate loan. Reflects 0.25% discount for new members (joined within last 6 months) OR for members using auto pay with Credit Union Checking Account. Up to 135% financing for 84 months for applicants with credit score of at least 780. Rate subject to credit approval, age of collateral, and mileage. Rate increase to base rate: add 0.50% for every 5% above Base Loan-to-Value (LTV) limit, subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years or older for credit score below 660. Membership eligibility required; $25 one-time membership fee if no deposit account at time of loan application (waived if deposit account opened within 30 days of loan approval).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.99% | For 60 months. Reflects 0.25% discount for new members OR auto pay with Credit Union Checking Account. Monthly payment for $10,000 for 60 months at 8.99% APR would be $208.24. Rates based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Rate increase to Base Rate: add 0.50% for every 5% above Base Loan-to-Value (LTV) limit, subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years or older for credit score below 660. |
Sources (2)
All captured Oct 16, 2026
Who can join AdelFi Christian Banking
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to Christians from most denominations across the United States, including individuals, families, churches, ministries, and Christian-owned businesses or nonprofits.
Cost to join
- There is no fee to become a member, but membership requires opening an account with an initial deposit for a membership savings account.
Membership information collected October 5, 2026.