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Drive Home Happy with a New Car Loan

Rates as low as 4.74% APR*, so getting a new ride is simpler than ever.
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Upgrade Your Ride with a New Car Loan
That Works for You

Looking for a new car loan that works smarter for you? At Logix, you’ll get competitive new car loan rates, flexible terms, and personalized support from a not-for-profit credit union that puts our members first. Whether you’re buying your first ride or upgrading your dream vehicle, we’ll help you find a loan that fits your budget.

APR = Annual Percentage Rate. Rates are effective as of January 22, 2026 and are subject to change.

Apply Now View Loan Rates

Calculate Your Monthly New Car Loan Payment

Use our easy-to-use calculator to estimate your monthly car payments and explore ways to lower them.
Please enter the loan amount
Please enter the interest rate.
Please enter the financing start date.
Please enter the loan term.
Will you be deferring your first payment?†
Please enter your response.
Estimated Calculations
First Payment Date
Maturity Date
Monthly Payment
Total Loan Amount
Total Interest Paid
Total Loan and Interest Paid

This calculator is provided for education and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. Please consult your financial, tax, or legal advisor regarding your unique situation. The results are not intended and should not be construed as a loan offer, loan approval, loan acceptance, or any guarantee or commitment by Logix to lend or grant credit.

†Qualified borrowers may elect to defer the first payment due date for up to 90 days from loan funding date, subject to credit approval; interest will accrue during the 90-day payment deferral period.

Ready to Start Your New Car Loan Application?

Our application process is fast and easy.
1

Choose Your Loan

Tell us about your vehicle and pick the loan term that fits your needs

  • Vehicle Type
  • Make and Model
  • New, Used, Refinance, or Lease Buyout
2

Tell Us About Yourself

Enter your contact and financial details so we can tailor your options.
3

Sign and Submit

We’ll reach out to finalize your loan and help you hit the road with confidence.

Which credit union auto loan fits your journey?

Buy a New or Used Car

Found the perfect ride? Now, lock in a great rate and low monthly payment.

Apply Now

Refinance Your Current Loan

Lower your auto loan payments with ease – we make refinancing quick and simple.

Apply to Refinance

Refinance and Get Cash Out

Need extra funds? See if you qualify for cash back when you refinance your credit union auto loan.

Apply to Get Cash Out
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Lease Buyout

Love your current leased car? Make it yours with a credit union auto loan from Logix.

Apply for Lease Buyout

Any questions? Let us help!

Let's meet to talk about your needs. We're just around the corner!

Schedule an Appointment
Auto Expert Car-Buying Service*

Stress-Free Car Buying Starts Here

Skip the dealership drama and enjoy a smooth, transparent experience. No haggling. No headaches. Just the car you want—delivered.
1

Tell Us What You’re Looking For

Share your ideal make, model, year, color, and any other features.
2

We’ll Do the Work

Auto Expert searches their trusted dealer network, handles negotiations, DMV paperwork, and loan documents - saving you time and stress.
3

Lock in Your Price

Enjoy exclusive volume discounts. Logix members save an average of $1,900.
4

Get it Delivered

Your car arrives at your nearest Logix branch to save time and help you avoid those pushy dealership sales tactics.
Vehicle Loans Car Buying Experience
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Other Auto Services

Smart Ways to Save Costs on Your Vehicle

Refinance Your Credit Union Auto Loan

Love your car but not the payments? Refinance with Logix for lower credit union auto loan rates and monthly savings.
Learn More

Compare Auto Insurance

Easily compare rates and features from 40 top-rated insurance companies - all in one place.
Learn More

Utilize Our Calculators

Estimate monthly payments, explore loan options, or see how much refinancing could save you.
Learn More

Questions? We’re here for you!

Call Us

Have questions? Call us at (800) 328-5328!

Appointment

Schedule an appointment with us!

Visit Us

Come into one of our branches in person!

Contact Us

Connect with our team online, by phone, or in person.

Frequently Asked Questions

You can easily apply for a new car loan online, by phone, or in person at any Logix branch. Logix membership is required.

Yes, but becoming a Logix member is quick and easy! Anyone who meets our eligibility requirements can join. Membership comes with access to better rates, lower fees, and personalized financial support.

Our auto loans offer competitive rates, flexible loan terms, free auto expert assistance**, quick approvals, and more!

Credit unions are not-for-profit and member-owned, which means they exist to serve your best interests—not shareholders. That often means better new car loan rates, lower fees, and personalized service built on trust and community values. Learn more about Logix.

Your new car loan rate depends on several factors, including your credit score, vehicle age, loan term, and payment history.

The credit score you need will depend on many factors, including the amount of the loan and the loan term. Contact us to speak with an expert today!

Rates are based on market conditions and member qualifications. You can check for the most up-to-date new car loan rates anytime on our auto loan rates page.

Logix offers auto loans for new and used cars, electric vehicles, RVs or campers, and powersports vehicles.

Logix offers up to 125% financing based on creditworthiness, so you can drive away without large upfront costs.

No. Logix has no prepayment penalties, so you can pay off your new car loan early and save on interest whenever you’re ready.
Disclosures

*Vehicle Loans - New Auto Loans: As low as APR (Annual Percentage Rate) is our best auto loan rate on approved credit and up to 125% financing on New Auto purchases and refinances from another institution, for a maximum 36-month term, and includes a 1% discount for Automatic Payment (AutoPay). Rate subject to increase if AutoPay is discontinued. Advertised rate and financing is based on creditworthiness and may not be available to all recipients; other conditions may apply. Additional rate and financing conditions apply for new auto and truck loans $200,000 and greater. Refinance of existing Logix loans excluded from this offer unless you take a $5,000 cash out (must meet our loan-to‐value requirements) or pay a $249 fee. Actual interest rate offered may be higher and a down payment may be required depending on applicant's credit rating and other underwriting factors. Maximum 17.99% APR. Monthly payments at APR for a 36-month term are estimated at per $1,000 borrowed. "New Auto" means the current and prior model year with less than 10,000 miles. Logix finances vehicles purchased through franchised dealerships only (those affiliated with a major brand such as Ford, Chevy or Toyota). Auto loans are available only in AZ, CA, DC, MA, MD, ME, NH, NV and VA. Vehicle must be titled and registered in the member's state of residency. Logix membership is required. Rate is accurate as of and is subject to change.

**Logix Federal Credit Union is not affiliated with Auto Expert, and is a separate entity.