Credit union · NCUA insured
Novo Federal Credit Union Auto Loan Rates
Novo Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked September 25, 2026.
How Novo Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where Novo Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Novo Federal Credit Union
4.49%APR
- Terms
- up to 60 months
New Auto Loans
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
Novo Federal Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Novo Federal 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 Auto Loans
Financing available up to 125% of MSRP Listed Price (includes tax, license, fees, etc.). Repayment terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 60 months | 4.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 72 months | 5.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 84 months | 7.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
Used Auto Loans
Financing available up to 125% of KBB Typical Listing Price (includes tax, license, and fees, etc.), vehicles up to 12 years old or newer, max 100,000 miles. Repayment terms up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 3.99% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 60 months | 4.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 72 months | 5.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
| up to 84 months | 7.49% | Rate as low as. Rate based on creditworthiness and term of loan. |
Who can join Novo Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Chino, Chino Hills, Corona, Eastvale, Fontana, Jurupa Valley, Norco, Ontario, Rancho Cucamonga, Riverside, or their unincorporated areas.
Military, government and schools
- Membership includes correctional professionals/employees, first responders, public service employees/public servants, and retirees.
Family and household
- Immediate family members of eligible members are eligible to join.
Membership information collected October 5, 2026.