Andrews Federal Credit Union listed new auto loans as low as 4.49% APR (36 months) and used auto loans as low as 5.10% APR (36 months) on its rates page when I checked on Nov. 5, 2026. New 60-month loans showed 5.19% APR as low as; used 60-month loans showed 5.54% APR as low as. Nothing on the page says a CARFAX is required. The same page does spell out title exclusions that matter more than the headline APR.
How the posted rates read
Andrews defines a new vehicle as an untitled current- or prior-model-year vehicle with fewer than 7,500 miles for which you are the original owner; used covers pre-owned cars or cars over 7,500 miles. Financing can go up to 120% of J.D. Power/NADA value including tags, title, taxes and fees. The page states the credit union does not finance vehicles with salvage, bonded or branded titles, lemon-law buybacks, unknown mileage, odometer rollback or a history of water, flood or significant structural damage. Grey-market and for-hire vehicles are also called out as ineligible. Ask for written confirmation on your VIN before you assume the as-low-as rate applies.
What the page does not spell out
The auto section I reviewed did not publish every underwriting rule on the public rates table. Ask the loan officer for written rules on private-party purchases, out-of-state titles and older cars before you shop around a payment. Our odometer rollback guide is worth a read when a used car's mileage looks too good for its year.
Who Andrews Federal fits
Andrews Federal fits members who want a published new-versus-used APR split and who are buying a clean-title car that clears the collateral rules above. If you are shopping a rebuilt title, a lemon buyback or a grey-market import, this public page says those cars are not eligible, so ask another lender or walk. Membership eligibility is separate from the rate quote.
Does Andrews Federal require a CARFAX?
Credit unions generally care about the title, the value and the lien, and their published pages rarely say a history report is required. They do need a clean, transferable title so they can record their lien, and an older or branded car can change the rate or the loan amount. Our financing a rebuilt title car guide covers why branded titles get harder to finance. Pull a report before you apply, not after, so a surprise brand does not show up at funding.
Checks to run before you sign
- Run the VIN at the NHTSA recall lookup for open campaigns.
- Check title brands through an approved NMVTIS provider.
- Pull a history report and compare mileage readings over time.
- On a private sale, confirm the seller lien is paid off. Our lien release guide walks through that step.
- Get a pre-purchase inspection on anything out of warranty.
Questions to ask the loan officer
- What exact APR and term would I get on this specific car, by VIN and model year?
- Does the rate change for a private-party sale versus a dealer purchase?
- Is there a maximum vehicle age or mileage, and a minimum loan amount?
- How long is a preapproval good for, and does the rate lock with it?
- Will you finance a car with a rebuilt, salvage or out-of-state title?
Dealer sale or private sale
At a dealer, the dealer usually handles the title and sends it to the lender. In a private sale, the credit union often pays the seller or the prior lender directly and then waits for the title to arrive with its lien recorded. That takes longer, so plan for it. Do not hand cash to a private seller before the lender confirms the payoff and the title path. Our private-party CARFAX guide covers what to check on the seller side.
Compare the offer, not just the rate
A low advertised APR only helps if you qualify for it and the term fits your budget. Ask for the exact APR, term, payment and total interest in writing, and compare it with a dealer offer and at least one other lender. The CFPB auto loan tools explain how to read a loan estimate. Decide on add-ons such as GAP coverage on their own merits; our GAP insurance guide covers when it makes sense.
What the report costs
As of early November 2026 a CARFAX bought direct usually costs around $44.99, and AutoCheck sits a little lower. We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Our guest price has been about $5.50 a report, about $4.50 for members, and about $6.75 for a CARFAX and AutoCheck bundle. Confirm the price at checkout, since it can change.
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