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Loan Rates | Savings Rates

Popular Auto Loans & Refinancing Options

From traditional auto loans to competitive refinancing options, we offer financing for new and used cars, motorcycles and recreational vehicles.
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New or Used Car Loan
Auto Refinance
Visit A Dealership
Auto Insurance
Other Offerings

Finance or refinance your car through Inspire FCU and make no payment for 60 days!**

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New Or Used Car Loan

The idea of a new or used car should be exciting, not stressful. Let our team help make the buying process easy for you. Apply for your new or used car loan with affordable financing in Bucks county.
Limited Time Offer!
  • When you finance your vehicle directly through Inspire and set up a Checking Account with us, you'll have the opportunity to receive $50 of gas credit (credited to the account).¹ Just use the promo code NOPAY60 when you apply!

Features & Benefits:

When applying use the promo code: NOPAY60.

Auto Refinance

Refinance your current auto loan with Inspire FCU to make sure you have the best terms at the most affordable monthly payment. Get started today and we’ll lower your monthly payment and we’ll drop your current rate by at least 2.00% APR*. Plus, relax with 60 days of NO payments² so you can enjoy your ride the way you deserve. Just use the promo code NOPAY60!

Features, Benefits & Terms:
  • Save money on your monthly payment

  • Experience average savings of $1,200*

  • Terms up to 84 months (7 years)

Please visit our rates page for dividend rate disclosures.
See our fee schedule for any applicable fees.

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Woman standing next to new car

Visiting a Dealership in Bucks County?

We’re proud to partner with nearly 50 car dealerships in Bucks County to provide a quick, convenient, and affordable auto financing solution. Tell the dealer you’re an Inspire FCU member and ask for funding from Inspire when meeting with the dealer’s finance office. If the dealership does not currently partner with us, no problem. Simply get the buyer’s order from the dealer along with your vehicle loan application and we will issue a check directly to that dealership.

Click here to learn more about our dealer partnerships and how you can take advantage of the perks!

Allison Eggert is responsible for maintaining business relationships between automobile dealerships and Inspire Federal Credit Union. She helps educate the dealerships on Inspire Federal Credit Union’s indirect lending program to increase dealer participation as well as acquiring new automobile dealerships within the Bucks County region. She started her career in the automotive industry and held several positions including Finance Manager, Finance Director, and Sales Manager spanning over 12 years before joining Inspire Federal Credit Union in August 2021. She enjoys philanthropic work and volunteering within the community.

If you are looking to purchase a car or if you are a dealership interested in becoming a partner, click the buttons to call or email Allison today!

Auto Insurance

Switch to Inspire Insurance Agency and save more. We offer insurance for all types of vehicles, property, business, life and more. Get your free instant quote today.

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Other Auto Offerings

Pay Online

Make convenient online payments from your Inspire FCU checking account anywhere you are. At home or on the go, we've got you covered.

Inspire Choice Protection Available

Protect yourself from all that life throws at you with Life, Disability, & Unemployment insurance.

GAP and MRC Coverage Available

Picks up where your insurance leaves off on your new or used car, getting you moving even quicker.

¹The account must be opened within 60 days of the new auto loan. Direct deposit must be for $250 or more. $50 will be credited to the loan holders new checking account after the first automatic deposit posts. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA.

²No payment for 60 days, whereby first payment is extended out up to 60 days from the date the loan funds are disbursed. Finance charges will continue to accrue until the first payment and negative amortization may occur. No payment for 60 days is based on individual creditworthiness and approved credit. All loans are subject to credit approval. Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime.

* APR = Annual Percentage Rate. Loan decisions are based on applicant creditworthiness. Must be an Inspire FCU member in good standing and meet all lending requirements. Inspire FCU reserves the right to terminate this promotion at any time without notice. Limited time offer. Includes refinance of 2015 or newer model vehicles. Minimum loan amount of $5,000 with a floor rate of 6.24% APR. Existing loans at Inspire are not eligible.  Loan example: Price per $1,000 borrowed at 6.74% the cost is $18.89 for a 63-month term. APR, terms and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness.

**60-day no payment is offered on direct auto loans to Inspire FCU members. During 60-day no pay interest will accrue on the principal balance. Interest is not deferred during the first 60 days.

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