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Unlock Lower Rates with Used Car Loans

Your next dream car may just be in your neighbor’s driveway with a “For Sale” sign.
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Used Car Loans that Help Fuel Your Dreams Without Emptying Your Tank

Found your next well-loved used car? Let’s make it yours! With great rates, flexible terms, and personalized support, we’ll help you get the perfect used car loan that fits your budget. Get ready to roll with Logix!

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

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Calculate Your Monthly Payment for Used Car Loans in Seconds

Plan smarter with our monthly payment calculator that helps you take the guesswork out of used car financing. Estimate your monthly payments, see if you may be able to lower them, explore if you should refinance, and more.
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.

7 Tips for Maintaining High-Mileage Vehicles Until Inflation Subsides

If you’re looking to extend the life of your used car, here are some helpful tips for keeping your ride in top shape until the market becomes more favorable for consumers.

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Competitive Rates and Quick Approval on Used Car Loans

Our application process is fast and easy, ensuring you get behind the wheel quickly.
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 needs?

Buy a New or Used Car

You’ve secured your dream car; now’s your opportunity to lock in a great rate and low monthly payment.

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Refinance My Existing Used Car Loan

Easily refinance your used car loan and lower your monthly payments.

Apply to Refinance

Refinance and Get Cash Out

Unlock extra funds with our cash-out refinance options. Easily apply to see if you qualify today.

Apply to Get Cash Out
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Lease Buyout

Turn your lease into ownership with a Logix credit union auto loan.

Apply for Lease Buyout

Any questions? Let us help!

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

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Auto Expert Car-Buying Service*

Enjoy a Haggle-free, Hassle-free Car Buying Experience Members Love

Buying a used car doesn’t have to be stressful. Take advantage of a drama-free, seamless car buying experience, and get the used car of your dreams delivered.
1

Tell Us What You’re Looking For

Share the make, model, year, color, and any other features of your ideal used car.
2

We’ll Find Your Next Used Car

Auto Expert searches their trusted dealer network, handles negotiations, DMV paperwork, and loan documents, ensuring you get time back in your day for what matters.
3

Buy Your Used Car

Auto Expert secures you a volume discount price at an average savings of $1,900.
4

We Deliver Your Used Car

Auto Expert delivers your car right to your nearest Logix branch, saving you time, money, and the dreaded pushy dealership interactions.
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Other Auto Services

Lower Used Car Costs in Smarter Ways

Refinance Used Car Loans

Let’s face it, you love your car, but high monthly payments can drain your account. Refinance with Logix and discover the benefits of lower used car rates and lower monthly payments.
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Compare Car Insurance

With 40 top-rated insurance companies to choose from, easily compare used car rates and features.
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Calculate Your Savings

Compare and calculate your estimated monthly payments or see if refinancing is the right choice for you.
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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 used 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.

Logix's used 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 ussed car loan rates, lower fees, and personalized service built on trust and community values. Learn more about Logix.

Credit union auto loans typically offer lower rates and fewer fees compared to dealer financing.

Your used 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 used 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.

Yes, refinancing may be able to lower your interest rate and/or your monthly payment.

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

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

APR = Annual Percentage Rate. “As Low As APR” rates listed are our best auto loan rates on approved credit and up to 125% financing on New and Used Auto purchases and refinances from another institution, and include a 1% discount for Automatic Payment (AutoPay). Rates subject to increase if AutoPay is discontinued. Advertised rates and financing are based on creditworthiness and may not be available to all recipients; other conditions may apply. Additional rate and financing conditions apply for new and used auto and truck loans $200,000 and greater. Refinance of existing Logix loans excluded from advertised offer unless you take a $5,000 cash out (must meet our loan-to‐value requirements) or pay a $249 fee. Actual interest rates 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. "New Auto" means the current and prior model year with less than 10,000 miles. “Used Auto” means the current and prior model year with 10,000 or more miles, and any earlier (older) model year regardless of mileage. Logix finances vehicles purchased through franchised dealerships (those affiliated with a major brand such as Ford, Chevy or Toyota) or private parties only. “Classic Cars” are subject to additional restrictions. 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. Rates accurate as of and are subject to change.