Credit union · NCUA insured
EdiFi Credit Union Auto Loan Rates
EdiFi Credit Union auto loans start at 5.49% for a used one. Rates checked October 15, 2026.
How EdiFi Credit Union’s auto loan rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where EdiFi Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
EdiFi Credit Union
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
EdiFi Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EdiFi Credit Union 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.
New/Untitled (2025-2026)
Rates vary based on creditworthiness, model year, and term. Minimum auto loan is $5,000. Up to 100% financing with no down payment required for qualifying borrowers. 60 days of no payments available; interest accrues from disbursement.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 48 months | 4.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 60 months | 5.49% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 72 months | 5.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 84 months | 5.99% | Minimum loan amount $5,000. Subject to credit approval. Qualification for 84-month financing based on creditworthiness. |
Pre-owned (2022-2025)
Rates vary based on creditworthiness, model year, and term. Minimum auto loan is $5,000. Up to 100% financing with no down payment required for qualifying borrowers. 60 days of no payments available; interest accrues from disbursement. 84-month financing not available on model years 2022 and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 48 months | 4.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 60 months | 5.49% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 72 months | 5.99% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 84 months | 5.99% | Minimum loan amount $5,000. Subject to credit approval. Qualification for 84-month financing based on creditworthiness; not available on model years 2022 and older. |
Used (2017-2021)
Rates vary based on creditworthiness, model year, and term. Minimum auto loan is $5,000. Up to 100% financing with no down payment required for qualifying borrowers. 60 days of no payments available; interest accrues from disbursement. 84-month financing not available on model years 2022 and older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.25% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 48 months | 7.25% | Minimum loan amount $5,000. Subject to credit approval. |
| up to 60 months | 7.25% | Minimum loan amount $5,000. Subject to credit approval. |
Who can join EdiFi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Atlantic, Burlington, Ocean, or Mercer counties in New Jersey are eligible for membership.
Employers and groups
- Employees of approved companies are eligible for membership.
- Employees of select hospitals or health-related employers are eligible for membership.
Military, government and schools
- Public school employees in Atlantic, Burlington, Cape May, and Gloucester counties, or employees of select colleges and specialty schools, are eligible for membership.
- Members of the NJEA (New Jersey Educational Association) are eligible for membership.
- State employees or individuals working at a select county or municipality are eligible for membership.
1 more way to join
Family and household
- Immediate family members (including spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren) of a current EdiFi member or employee are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required.
Membership information collected October 5, 2026.