Auto Loans Rates as low as 1.49%*

Rev Up Your Savings and Drift Into Summer!

Arbor Financial's low rates on your loan means more car for your money! Get an auto loan that fits with your summer plans when you finance a new or used vehicle with rates as low as 1.49% APR** while pausing payments for 90 days1.

Enter to Win a $50 Gas Card!

When members finance their vehicle with us, they will automatically be entered for a chance to win one of 8 Speedway $50 gas cards!†​

Get Into Gear With a Better Vehicle Loan

Are you buying a new or used vehicle? Looking to save by refinancing? Searching for a new weekend toy? Arbor Financial has vehicle financing products and services to help get you where you want to go.

  • Auto and motorcycle loans as low as 1.49% APR*
  • Flexible terms with monthly payments you can afford
  • RV & boat loans as low as 3.74% APR*
  • Quick and easy loan pre-approvals
  • Low-cost extended warranties available
  • Up to 100% financing
  • Skip Pay option available
“The best of the best. My family has been members for 40? years. I wouldn't go anywhere else!” - Beverly R.

New & Used Auto Loans

Low rates and fast approval put you in the driver's seat.

First-Time Auto Buyer Program

We'll help you navigate the twists and turns of a first-time purchase.

Fresh-Start Auto Loans

Get back on your feet financially with this loan.

How Much Will My Monthly Payment Be?

Purchasing a new or used vehicle is an exciting venture that requires some planning. Before you sign on the dotted line and drive away, you first need to determine how much you can afford.

Our auto loan calculator determines your monthly payments based on down payment and the terms you choose, giving you a figure to work with as you plan. Get in the driver’s seat in no time, and start exploring your surroundings in style.

Determine your monthly payments. Use our auto loan calculator.

Should I Choose A New Or Used Auto Loan?

When choosing an auto loan, you have to decide whether you’re interested in purchasing a new or used car. Depending on your lifestyle choice, budget, and loan rates available, you can find the right car with comfortable terms.

Our affordable auto loan rates allow you to purchase the perfect car, new or used, in order to go places and achieve your goals. Don’t let lack of funds or bad credit stop you from living your best life. We’re here to help you with your car buying journey.

How Do I Apply For A Vehicle Loan?

Once you’re ready to get the ball rolling, you can complete an easy online application by providing the following information:

  • Your SSN/Individual Taxpayer Identification Number
  • Driver’s license/military ID/passport/state ID proving that you’re over 18 years old

Our online application offers a quick response that’ll help you determine your loan amount, rates and terms associated with your loan, allowing you to get out there as fast as possible.

What If I’m Experiencing A Cash Flow Crunch And Can’t Make A Payment?

When you find yourself in a tight cash crunch, unable to make a payment, you have the option of skipping payments up to two months per calendar year with our Skip Pay option. Although not ideal, it does give you a breather if you find yourself in a situation where there’s simply too much month left and not enough resources to get you through.

  • Eligible for auto, RV, and boat loans
  • Only eligible after three consecutive payments have been made
  • Request must be received seven days prior to an outstanding payment

Choose the perfect vehicle loan to match your lifestyle and budget. Apply now!

“I have been with Arbor Financial for a few years. I've never had any problems; they have always been very courteous and friendly, and I appreciate that.” - Delores W.

Arbor Financial Member Resources

As an Arbor Financial member, you’re eligible to enjoy many of our member benefits and resources, enabling you to make better financial decisions based on helpful information.

Financial Tools & Tips Member Resources
Savings Goal Calculator Loan Protection
Financial Coaching Auto Insurance
Get approved for a loan
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Get Behind The Wheel With An Affordable Vehicle Loan

No matter if this is your first car, or you’re exploring your inner adventurer with a recreational vehicle, the experts at Arbor Financial can help you navigate the world of vehicle loans.

  • Easy loan pre-approvals
  • Affordable loan rates
  • Flexible loan terms
  • Up to 100% financing available

Apply Now

“My family has been members for years...We have really enjoyed the personal service we've experienced. Also, exceptional loan rates!” - Clayton L.

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application.  Rates subject to change.

**Annual Percentage Rate (APR). Rate effective 6/1/20 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Terms and conditions subject to change without notice.

1Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.

†​The drawing is open to all legal Michigan residents 18 years or older. No purchase necessary. Promotional period June 1 – July 31, 2020. Federally insured by the NCUA. For official rules, click here.
Why choose Arbor Financial?
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories  


When it comes to the right mortgage, Arbor makes you feel right at home.

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