Get The Terms that Work for You
Whether you're purchasing a brand-new or used vehicle that's new to you, you'll likely need some financing assistance. At AdelFi, we give you the tools to purchase your vehicle or refinance an existing one. We'll work with you to find and provide the loan with the right terms and rate to fit your borrowing needs.
No Payments for 90 Days
Low Rates
Apply in 10 Minutes
Zero Fees
Tesla Financing
AdelFi is a lender who understands your needs and the benefits of a timely decision. Our Tesla loans have more options and flexible terms up to 84 months.
Working with AdelFi means you're working with a lender who understands your needs. Benefits of an AdelFi Auto Loan include:
- Low rates: Save on monthly payments by refinancing at a lower rate
- First payment within 90 days2: Don't worry about a payment for a few months
- Apply in only 10 minutes: Easily apply and submit all required documents online
- Zero fees and no prepayment penalty: No need to worry about extra fees or submitting early payments
- Longer terms: Extend the length of your loan to lower your monthly payments
Already a member? Click here to apply.
Auto Loan Rates
New Auto Loan Rates*
| Term | APR1 |
|---|---|
| 36-60 months | As low as 5.95% |
| 61-72 months | As low as 6.35% |
| 73-84 months | As low as 7.15% |
Used Auto Loan Rates**
| Term | APR1 |
|---|---|
| 36-60 months | As low as 6.45% |
| 61-72 months | As low as 6.85% |
| 73-84 months | As low as 7.65% |
AdelFi Auto Loan FAQs
Is membership required?
Yes, membership is required. If you are not a current AdelFi member, please note that the membership application is included in the online loan application. You do not need to apply for membership separately from your loan application.
How many days does it take to receive funds from the time I submit the application?
Allow five (5) business days from start to finish:
- Day 1 Initial Application Reviewed and Pre-approved
- Day 2 Loan App and Membership App Documents Requested
- Day 3 Documents Reviewed
- Day 4 Loan and Membership Approved. Loan Documents Signed
- Day 5 Funds Wired or Mailed
How do I check the status of my application?
Once you submit your application, you will receive your own portal for communication with our team. To check the status of your application, click here. You will be required to provide your last name, the email address used on your application, and your Social Security Number or ITIN. You can view the status of your loan, message our team, and upload documents using this link. Using that link to respond to messages and provide requested documents is very important.
How do I begin the application process?
The online application is a single application for both membership and loan and should only take 10-15 minutes to complete. AdelFi will send an email confirming that we have received your membership and loan application. You do not need to apply for membership separately.
What can I expect when applying for a used or new vehicle?
- First, complete your loan/membership combination application online.
- Once completed, within two business days, you will receive a preliminary decision via email.
- If you are not a current AdelFi member, please note that the membership application is included in the online loan application. Once the application is submitted, you may be asked to provide further documentation for membership before funding can be completed.
-If you prefer to wait on membership, you can request (in the online application) that membership be contingent upon the approval of the loan. Once the loan is approved, the membership portion of the application will proceed to process, and you may be asked to provide further documentation before funding can be completed.
-Please note: You do NOT need to apply for membership separately from your loan application. - If the loan application is approved, you may be asked for further documentation, such as proof of income.
- Please see the email notifications for the requested documents. Click here to check your application status, upload documents, or message AdelFi.
- Your preapproval letter locks the approved rate for 30 days while you shop.
- After selecting your vehicle, you must provide AdelFi with a copy of your purchase order.
*Once all stipulations requested in the email have been provided, loan documents will be sent for your signature. - Lastly, you will sign your documents.
- A loan specialist will review your application and documents and contact you if anything else is needed before funding can be completed.
- Funding will be sent directly to the dealer via wire transfer or check as requested.
- Confirmation of wire transfers is sent to your email by 5pm (PT) on the same day the funds are sent. Checks are sent via courier. Please let us know if you need an image of the check and tracking information.
What determines if the vehicle is considered new or used?
If the vehicle's model year is up to one year older than the current calendar year or new, it is considered New. If the vehicle's model year is more than one year older than the calendar year and has more than one owner, it is considered used.
What do I do if I need to provide additional documentation for my loan request?
To provide additional documentation, click here. You will be required to provide your last name, the email address used on your application, and your Social Security Number or ITIN. When logged in, select the arrow icon and follow the prompts to upload your documents to the respective loan or membership account application as requested.
Auto Rates Effective: April 11, 2023
AdelFi finances loans nationwide, excluding Pennsylvania.
A $25,000 auto loan for 60 months with a 5.95% APR equates to an estimated monthly payment of $482.74. Actual payment will vary based on the total amount financed.
* A new auto is a vehicle whose model year is up to one year older than the current calendar year or newer.
**A used auto is a vehicle whose model year is more than one year older than the current calendar year and has had more than one owner.
1 Rates published are Annual Percentage Rates (APR). Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount, and term. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services at 800.325.4652.
2Interest will continue to accrue from when the loan is funded until the first payment date. For example, if you make your first payment 90 days after the loan is funded, the amount of interest that will be collected is from the loan funding date to the date the first payment is made.
