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New and Used Auto Loans

New Auto Loans

  • Available in 36, 48, 60 and 72 month terms; financing for 73-84 months is available for some vehicles; ask for details.
  • Rates are available for 100% financing
  • Credit Life and Disability Insurance available

Used Auto Loans

  • Based on the retail book value of the car
  • Competitive rates
  • Vehicles must be seven years old or less
  • Repayment terms are available for 48, 60 and 72 month terms; financing for 73-84 months is available for some vehicles; ask for details.
  • Credit Life and Disability Insurance available

Repaying your auto loan is easy with payroll deduction or transfers through Online Account Access. You can also use a payment coupon by mail or in person.

How to Apply for a Loan

You may apply for a loan as soon as your membership is established. Loans are available to members who are in good standing with the credit union, and approval is based on credit history and debt-to-income ratio. Submit an application with two of your most recent paystubs. Stop by and speak to our Loan Officer or call 443-844-3616 during banking hours. Or, apply online.

Car Sales Partners & Buying Assistance

Saint Agnes Federal Credit Union is a partner of several groups that offer you assistance in car-buying or discounted members-only pricing. Discounted pricing is available through Credit Union Auto Loan Network (CUALN), Enterprise Car Sales and the "Love My Credit Union" program's GM/Chevy/Buick discounts.

You also might want to consult the Kelley Blue Book for purchase values, trade-in values, ratings and more. Car Fax allows you to purchase a vehicle history on used autos before you buy. We also offer car-buying assistance through United Buying Service and the MVCP site.

Auto Exam Warranty offers extended auto service contracts at an affordable price. For just pennies a day, your car will be protected from the unexpected. To learn about coverage options available for your new or used vehicle, call 1-800-709-5792 or visit the Auto Exam website.

Credit Union Auto Club is a roadside assistance service offered through Invest in America. Compare the yearly enrollment costs with your current plan, with special savings for family plans. Click here for more information and a full list of services.

Credit Union Auto Loan Network (CUALN) is an association of credit unions and more than 200 car dealers in Maryland, Virginia, and DC. CUALN is a direct connection to your credit union for financing your new car, even when the credit union is closed. Be sure to tell your salesperson that you are a member of Saint Agnes Federal Credit Union! Members receive a quick loan decision and, in most cases, can take delivery on the spot. Click here to find a dealer near you.

Enterprise Car Sales
provides members with everyday discounts on quality used vehicles. Enterprise cars come with a 7-day repurchase agreement so you can buy with confidence. Each vehicle goes through a rigorous inspection process and all are sold at below NADA retail value. To learn more, visit the Enterprise Car Sales website.

Love My Credit Union is a website dedicated to credit union members, offering exclusive discounts on many types of services. If you're shopping for looking for Chevrolet, GM or Buick discounts, visit the Love My Credit Union website to review current offers.

Motor Vehicle Certification Program (MVCP) is a free member benefit that enables you to purchase vehicles at pre-negotiated dealer profit margins. Advisors will inform you of all he current rebates, incentives, invoice pricing, destination, and advertising charges, plus they will help you with your trade-in value. Contact MVCP at 1-800-345-0990 or visit the MVCP site.

United Buying Service (UBS) provides pre-negotiated vehicle pricing for a haggle-free buying experience. To learn more, visit the UBS website.