SECU Auto Loan Calculator
Free SECU auto loan calculator to calculate monthly payments, interest rates, and repayment schedules for State Employees Credit Union auto loans. Plan your car purchase or refinance with instant results for MD, NC, and other states.
Loan Details
Optional: Enter your state's sales tax rate
Enter as percentage (e.g., 5.5 for 5.5%)
Common terms: 36, 48, 60, 72 months
Extra Payments (Optional)
Loan Summary
Monthly Payment
$477.53
Total Interest
$3,651.74
Total Payment
$28,651.80
Loan Amount
$25,000.00
About SECU Auto Loans
The State Employees Credit Union (SECU) auto loan calculator helps you plan your vehicle financing with accurate monthly payment calculations. Whether you're purchasing a new or used car in North Carolina, Maryland, or other states, our calculator provides instant results to help you make informed decisions about your auto loan.
SECU offers competitive auto loan rates for both new and used vehicles. State employees may qualify for special rates and terms. The calculator supports calculations for various loan terms, typically ranging from 36 to 84 months, allowing you to find the payment structure that best fits your budget.
SECU Auto Loan Rates
SECU auto loan rates vary based on several factors including your credit score, loan term, vehicle type (new vs. used), and whether you're a state employee. North Carolina SECU (NC SECU) and Maryland SECU (MD SECU) members can use this calculator to estimate their monthly payments and total interest costs. The calculator accounts for down payments, trade-in values, and optional sales tax to give you a comprehensive view of your total vehicle financing costs.
SECU Auto Loan Refinance
If you're considering refinancing your existing auto loan, our calculator can help you determine potential savings. By comparing your current monthly payment and interest rate with SECU's refinance options, you can see how much you might save each month and over the life of the loan. The calculator also estimates your break-even point, helping you decide if refinancing makes financial sense.
Using the SECU Auto Payment Calculator
Our SECU auto payment calculator is designed to be user-friendly and comprehensive. Simply enter your vehicle price, down payment amount, trade-in value (if applicable), interest rate, and loan term. The calculator will instantly show you your monthly payment, total interest paid, and complete payment schedule. You can also explore how extra payments might reduce your loan term or total interest paid.
For state employees, be sure to check the "State Employee" option, as you may qualify for preferential rates. The calculator supports calculations for both North Carolina and Maryland members, with options for other states as well. Whether you're buying a new car or a used vehicle, planning a purchase or considering refinance, this calculator provides the detailed information you need to make the best financial decision for your situation.