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Used Vehicles (up to 5 years)
Financing on used vehicles is determined by the loan and retail values according to the NADA blue book. Term of financing is determined by the year of the car. See our Loan Rates page for current rates.
A loan calculator is available for your convenience.
The following information is provided to you pursuant to the requirements of the Truth in Lending Act and Regulation Z of the Federal Reserve Regulations. Regulation Z prescribes uniform methods of computing the cost of credit, disclosure of credit terms and procedures for resolving errors on certain credit accounts. Neighborhood Community Federal Credit Union loan products are offered as open ended credit and closed ended credit depending on the type of loan you desire. The disclosures contained herein do not contain all of the disclosure information which will be provided if your loan is consummated. Additional disclosures required by law and regulations may be provided to you at various times during the processing of your request as required by law.
THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT NEIGHBORHOOD COMMUNITY FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
Terms Subject to Change. The rates contained herein are effective as of July 1st, 2013. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fee that you paid in connection with your application.
Terms of Repayment. Interest rates for closed end credit are fixed. The terms of repayment for the currently published interest rates are as listed above. No down payment applies to any closed end credit.