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Vehicle Loans

We re-finance the auto, motorcycle, recreational vehicle, snowmobile, classic car, or boat you already have at a better rate or shorter term!  And it is making a HUGE difference for our members! Rates are high all over right now, but we can still review your loans to make sure you are getting the best deal on Rate and Term! We are STILL saving members money!

If it has a title, we can finance it!

There is NO application fee.  We can even match rates to other lenders in our STATEWIDE footprint.  So if you already have a great rate, but would like the convenience of having all your payments in one location, we can help!

Wouldn’t you rather know that you have the BEST rate and TERM for you?

Insurance Coverage

Guaranteed Asset Protection (GAP)
This coverage safeguards your investment should your boat, motorcycle or RV become damaged beyond repair or is stolen. For a nominal amount, GAP provides a low-cost supplement to your existing insurance policy and covers the difference after your primary insurer has settled the claim.


  • Pays off loan balance if your boat, motorcycle or RV is totaled or stolen.
  • $1,000 towards your next vehicle.
  • $500 towards insurance deductible.


Low-Cost Credit Life & Disability Insurance
Gain peace of mind knowing your family and loved ones will not inherit an unwanted debt. While not required, our coverage can save up to 50% over similar plans offered by banks or dealer financing plans. It’s well worth the peace of mind, knowing if something were to happen, the debt would be taken care of.

Extended Warranties & Mechanical Breakdown Insurance
NCACU offers extended warranty to cover all makes and models. Plus, not only does this warranty cover when there are problems that arise with your vehicle it also covers items like emergency roadside assistance, rental car allowance, battery coverage and much more.

Benefits of a loan at NCACU

Fast & Friendly Service.
We want your loan experience to be convenient, friendly, and hassle-free. You can apply online, by phone, or in person. And you’ll receive a quick response – usually under 24 hours.

Competitive Rates.
You’ll save with some of the best rates in the state, and never have to pay an application fee.

No Down Payment Required.
While it’s practical to finance as little as possible, sometimes you need a new car sooner rather than later. Rest assured, 100% financing is available.

*APR = Annual Percentage Rate. Rates are subject to change without prior notice.
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