Used Car Loans

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Whoever said used isn’t as good as new? At Allegacy, smart choices come in all shapes. We offer up to 100% financing on pre-owned vehicles so you can find the sweet spot where value, aesthetic and affordability intersect.

Up to 100%***

Used Car Loans can cover up to 100% of the Southeastern NADA retail value of the car.

Lock Low Rates

Lock in low rates for up to 60 days on vehicles under 100K miles, up to 7 years of age.

Competitive Terms

Low monthly payments are designed to make purchasing a car more affordable.

Used Car Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate. A new auto with a loan amount of $22,548, at an interest rate of 5.95%, for 60 months, would have a payment of $435.39..

**Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.

***NADA retail value (based on creditworthiness), 90% of List Price if automobile does not appear in NADA Guide. Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles. Loan Rates subject to determination of creditworthiness.

****Loan Rates subject to determination of creditworthiness. Up to NADA retail value (based on creditworthiness). Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount:  $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.

Loan Type

Used Vehicle (Term: 1-60 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 5.59%

Non-Payroll Deduction APR*

as low as 6.09%

Loan Type

Used Vehicle (Term: 61-66 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 6.10%

Non-Payroll Deduction APR*

as low as 6.60%

Loan Type

Used Vehicle (Term: 67-75 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 6.25%

Non-Payroll Deduction APR*

as low as 6.75%

Calculators to get you on the road.

What others are saying ...

I didn’t walk away wondering if I got taken advantage of. This was the easiest car buying experience I have ever had. By the way, I sent my niece her way!

Bobbie B.
— member since 1986

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