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 $23,412, at an interest rate of 2.49%, for 66 months, would have a payment of $379.94.

**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: 1-42 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 1.99%

Non-Payroll Deduction APR*

as low as 2.49%

Loan Type

Used Vehicle (Term: 43-60 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 2.49%

Non-Payroll Deduction APR*

as low as 2.99%

Loan Type

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

Payroll Deduction or Automatic Draft APR*

as low as 3.04%

Non-Payroll Deduction APR*

as low as 3.54%

Loan Type

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

Payroll Deduction or Automatic Draft APR*

as low as 3.29%

Non-Payroll Deduction APR*

as low as 3.79%

Calculators to get you on the road.

What others are saying ...

My auto buying experience was painless and stress free. The whole experience was first class from start to completion. I highly recommend to use this service and avoid what can be a hassle by visiting dealers.

Ricky H.
— member from Winston-Salem, NC

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