Having a trusted partner like Johns Hopkins Federal Credit Union can make your buying experience much easier. Our team of dedicated experts know the ins and outs of car buying. Whether you have questions or just want your loan approved quickly so you can start shopping, JHFCU can help you through the entire process.
Blank Check Auto Loan - Get Pre-approved. Shop with Blank Check.* Learn More
Other Vehicle Financing Options
If you are looking to finance another type of vehicle look no further! We offer financing options for new and used boats, motorcycles, RV’s and more. Check out our rates or apply today to help drive your next adventure.
The Many Benefits of Financing With JHFCU
Get the same great rates and exceptional support you’ve grown to love.
"A total solution: attractive product (flexibility of blank check car loan, low interest rate) AND responsive, personalized service. "
- P. B.
Car Buying Service
Get access to the tools and resources needed to make informed car-buying decisions and simplify your auto-financing process.
GAP, Debt, or Major Mechanical Protection can help protect you against unforeseen expense.
|Calculate Your Payment|
Determine what your estimated monthly car loan payment or your car purchase price could be.
Auto Loan FAQ
What factors are important for getting pre-approved for an auto loan?
When applying for a loan, we’ll look at your credit score, income, payment history, how much other debt you have, the vehicle you want to buy, and the total amount you want to borrow.
How much will my auto payments be?
This answer depends on a few different factors, including how much you borrow, how long you want to finance your auto, and your individual financial situation. Generally, with longer finance periods and lower loan amounts, payments will be smaller. With shorter finance periods and higher loan amounts, monthly payments are higher.
Is there a prepayment penalty for paying off my vehicle loan early?
We don’t charge prepayment penalties, although some lenders do. We believe our members should be able to pay off their loans when it works best for them.
Who is eligible to apply for a vehicle loan?
Any of our members are welcome to apply for an auto loan. If you’re not a member, we invite you to become one
How long does it take to get approved for a vehicle loan?
Our pre-approval process is fast, and pre-approved members can use one of our “blank checks” to shop. We don’t think buying an auto gets much quicker than that.
How do I make a payment on my loan?
We give borrowers the flexibility to set up their monthly payments on the terms that work best for them. Some popular payment options include a payroll deduction, coupon book for mailing payments, online transfers from a JHFCU account, and monthly ACH debits from another financial institution.
Where can I buy a car with my loan?
We want you to buy the right auto that fits your needs. So our members are welcome to buy from a dealer, a personal seller, or even a family member. The choice is up to you.
When will I receive my car title?
Once you pay off your loan, we’ll send it to you.
Where can I get help with setting up my auto loan?
We’re glad you asked! We’re happy to talk with you about an auto loan. You can apply online, over the phone, or in-person at one of our branch locations. But if you still have questions, you can reach out to us at 800.543.2870.
*Valid on New and Used cars purchased within your state of residence only. Check valued up to the pre-approval amount. Other restrictions apply.
**By skipping your first payments, up to 90 days, you extend your maturity date approximately up to three months. Credit insurance coverage you have on this loan does not cover any deferred payment. Since loan interest still continues to accumulate, your final payment on this loan may increase. This option is subject to change or may be discontinued at any time.
***The vehicle must be no more than 10 years old, and all must have under 125,000 miles.