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Auto Loans

Financing and refinancing options for your new or used vehicle

At Point Breeze Credit Union, better service comes standard

Low interest rates

Save money that's better spent on a road trip.

No down payment needed

You can finance 100% of your vehicle, if you're a qualified borrower.

Various terms

Choose one that best fits your budget.

Fast preapproval

Qualify for financing ahead of time so you can negotiate the best deal possible.

No red tape

You won't pay any setup fees or prepayment penalties with us.

Extra discounts

You can qualify for an even lower interest rate when you set up automatic loan payments.

Get the right loan for your vehicle purchase or refinance

You've found the car, truck, SUV or van you want and you're ready for a smooth financing process with a great interest rate. Or you're definitely ready for that experience because your current auto loan offers nothing like it. Either way, Point Breeze is your answer. We'll provide the loan you need to keep moving forward.

If you're just starting your vehicle research, check out the AutoSMART service that provides special pricing for Point Breeze members and lets you research and compare all types of vehicles on the lots of local dealerships.


Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

Auto and Truck Loan Rates

Product Maximum Term (in months) APR as low as Minimum Loan Amount Monthly Payment (per $1,000)
New & Used Auto or Truck364.99%None$29.97
New & Used Auto or Truck485.49%None$23.26
New & Used Auto or Truck605.49%None$19.10
New & Used Auto or Truck725.49%None$16.34

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount for direct deposit/payroll deduction of loan payments. Vehicles older than 10 model years or with more than 100,000 miles are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.