Close this search box.

Auto Loans

Whether your dream is to cruise the open road, enjoy the lake, or head out on the trails, AGCU can help you finance your next vehicle purchase.

We offer loans for autos, RVs, boats, motorcycles, and even ATVs.

Turn to us when it’s time to purchase your next vehicle! Complete your application online today.

View Rates Apply Now

Competitive Loans for Cars, Motorcycles, RVs & More

Get the vehicle you want at a rate you can afford with AGCU. Our auto loans come equipped with perks to meet your needs.

  • Competitive, low rates
  • Flexible terms
  • Optional GAP Coverage and Extended Warranty
  • Optional Debt Protection Coverage including Credit Life, Disability, and Involuntary Unemployment

Free CARFAX Vehicle History Reports

We offer free CARFAX® Vehicle History ReportsTM to our members who are approved for a used auto loan through AGCU1 So you can make a more informed buying decision.

Three CARFAX Vehicle History Reports may be accessed while your auto loan preapproval through AGCU remains open. If you do not obtain a preapproval, a CARFAX Vehicle History Report will be sent to you for the used vehicle you finance with AGCU. Offer may expire at any time. It is intended for personal use only and may not be used for commercial purposes. AGCU is in no way responsible for the accuracy of the CARFAX Vehicle History Report. Access to CARFAX Vehicle History Reports is subject to CARFAX consumer Terms and Conditions. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc.

Insurance Requirements

During the life of your vehicle or car loan, you are required to maintain and provide proof of insurance.

If at any time during your loan term, you do not have insurance on your collateral, we will add insurance coverage to your loan that covers our requirements. The cost of the insurance will be added to your loan, increasing your outstanding loan balance and potentially changing your loan payment. If your insurance agent or company changes during the life of the loan, you are required to notify us.

To provide proof of insurance, send your insurance declarations to:

  • Mail: Insurance Service Center, PO Box 5700, Knoxville, TN, 37928
  • Email:
  • Text a picture of proof of your insurance to (865) 505-7722.
  • Fax: (865) 470-8805
  • Call (800) 749-5440
  • Update agent info and policy:
  • If you receive a letter asking to verify coverage, visit to confirm insurance.

Download a copy of AGCU Proof of Insurance Requirements here

Get in Touch

Have a question or want to get started with an application? Connect with an AGCU Video Banking Representative or apply online today!

Or you can speak face-to-face with an AGCU Video Banking Representative from anywhere.
Give it a try today! Video Banking Hours (CST): Mon – Fri: 9:00 a.m.- 5:00 p.m.