Blank Check Auto Loan

Get pre-approved  with our Blank Check Auto Loan - the most convenient way to buy your next vehicle. Avoid interest rate hikes and negotiate on price at the dealer.  It’s like paying with cash -  feel secure knowing that you’ve been approved for a maximum loan amount at a competitive interest rate, courtesy of JHFCU.


Benefits of a JHFCU Blank Check Auto Loan

Visit the dealership with the confidence to negotiate the best price up to your approved limit, sign the check, and drive away!


Quick and Easy

Save time by having your financing complete before you even visit the dealership

No Payments For Up To 90 Days

We want you to enjoy your new purchase. Enjoy no payments for up to 90 days**

60 Days to Shop

Your approved loan check is good for 60 days, so shop at your leisure. The interest on your loan won't start accruing until after you’ve signed the check over to the dealer.

Competitive Rates You Can Depend On

With our competitive rates, you save much more. Lock in your rate at the time of pre-approval and it’s guaranteed for 60 days, even if rates go up.

Great Service

JHFCU’s award-winning Lending Team will ensure your experience goes well, and that all your questions are answered.

Good as Cash

Your Blank Check Auto Loan is as good as cash so you can negotiate the best price with confidence.



"The fact that the credit union lives up to the advertised claims of making the process quick and easy. The amount of time that it took to complete the process far exceeded my expectations. I applied on a whim (while at work) and after completing the 5-minute or so application, a rep contacted me, approved, and shared loan terms—all within a 2-hour time frame."

- A. H.




Learn How Much You Can Save With Our Blank Check Auto Loan


Use Our Car Loan Calculator


How To Apply

Applying for our Blank Check Auto Loan is as easy as 1,2,3



Apply Online

Our quick and easy online application takes just a few minutes.

Step 2

Sign Your Documents

Once approved, you can sign your loan documents from the comfort of your home.


Use Your Check

Take your check to the dealership, and drive away happy!


Blank Check Loan Q&A



Auto Loan Resources


search2Research Tools

Learn what your auto is worth and more with these great research tools.


Research Now


ProtectionDebt Protection

When you add Debt Protection to your loan, you provide peace of mind for both you and your family.

Research Now


carinsGAP Coverage

Guaranteed Asset Protection Coverage (GAP) will eliminate or reduce the difference between what your insurance covers and the amount you owe on your loan.

Learn More

Blank Check Auto Loan FAQs

  • Who is eligible to apply for a Blank Check Auto loan?

    Any Johns Hopkins Federal Credit Union member is welcome to apply for a    Blank Check Auto Loan. If you’re not a member, we invite you to become one.  

  • What factors do you consider when someone applies for a Blank Check Auto Loan?

    When applying for a loan, we’ll look at your credit score, income, payment history, how much other debt you have, the existing auto loan you have, and the total amount you want to borrow. We're only able to finance vehicles less than 10 years old with fewer than 125,000 miles.

  • Do I need to come into a branch to get a Blank Check Auto Loan with you?


    If you’re buying a vehicle and need a loan, you can apply in minutes in one of three ways:

    • Logging into your account or mobile app

    • Coming into a branch by appointment only

    • Applying over the phone at 410-534-4500 (excludes Credit Cards, Line of Credit, and Personal "Anything" loans).

    We process all documents via DocuSign so, there’s no need to come in for loan processing. Apply online from the comfort of home, or wherever you happen to be! 

  • How much will my loan payments be?

    This answer depends on a few different factors, including how much you borrow, how long of a term you want to pay off your loan, and your individual financial situation. 

    Generally, if your loan is relatively small and you opt for a longer term, your payments will be smaller. If you opt for a shorter finance period or higher loan amount, you will see higher monthly payments. 

  • Does JHFCU charge a prepayment penalty if you pay off your loan before your term is up?
    We don’t charge prepayment penalties, although there are lenders who do. Why shouldn’t our members be able to pay off their loans at their convenience?
  • How do I make a payment on my loan?

    One of the key advantages to a JHFCU auto loan is that you have the flexibility to set up your monthly payments on your own terms.

    We offer payroll deductions, coupon books for members who prefer to mail payments, you can send online transfers from a JHFCU account, or set up monthly ACH debits from other financial institutions.

  • Where can I get help with setting up my auto loan?

    One of the great things about auto loan financing through a credit union is that you’re a valued member of a community. That means we’ll work with you to make things go as smoothly as possible. 

    If you have questions or concerns, you can reach out to us at 800.543.2870 and we’ll work with you to get you where you want to go.


*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.