Auto Loans

COVID-19 is still having an impact on daily business operations.

We are experiencing longer than usual turn-around time when working with government offices. This is affecting the ability to process titles, recording, payoffs, etc. in a timely manner. If you have specific questions regarding a payoff, please email [email protected]. We appreciate your patience.

Financing your new or used auto can be easy with a flexible, low-rate auto loan from USSFCU.

USSFCU offers low rates and flexible term options to keep your payments low. We can help you determine what vehicles you can afford, assist you with the pre-approval process, and get the pricing information you need on any vehicle you choose.

Below are some auto loan features:

Low, fixed rates on new or used vehicles
Terms up to 7 years¹
Pre-approval available
Up to 125% financing of National Automobile Dealers Association value available
0.25% rate discount for automatic payment from a USSFCU account²
Extended warranty plans offered
Guaranteed Asset Protection (GAP) coverage available³
Refinance your current vehicle and potentially lower your rate

Also, use our USSFCU Car Buying Service powered by TrueCar to get the best deal on your new or used auto. You can even purchase your car from home and have it delivered from participating dealers.

RATES

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Extended Warranty

Our Extended Warranty has a plan that's perfect for you. No matter which plan your vehicle is eligible for, there are coverage benefits every driver deserves. Plus, you don't have to have your loan with us to purchase a warranty.

Every plan includes:

Zero Deductible
Nationwide Coverage
30 Day Money-Back Guarantee
Transferable
Interruption
Direct Claim Payments Via Visa/MasterCard
24/7/365 Emergency Roadside Service
- Towing
- Lock-out Service
- Battery Jump Starting
- Flat Tire Assistance
- Safe and Secure Package
- Minor Adjustments

Call Member Services at 800.374.2758 to find out which plan you might be best for you.

Need to make a claim? In the event of a covered mechanical breakdown, please contact Route 66 directly to speak with a claims advisor.

800.808.0828 | [email protected]

GAP Coverage

We now offer Guaranteed Asset Protection (GAP) Plus coverage! ±

GAP Plus offers peace of mind and helps protect your vehicle investment against possible financial loss. This protection provides $1,000 toward principal on a replacement motor vehicle or RV loan financed through USSFCU.

In the event your vehicle is stolen or totaled in an accident, GAP will help cover the difference between your primary insurance settlement and what you still owe on your loan and for just $299, typically well below what the dealerships are charging, this is one coverage option you cannot afford to pass up.

Call 800.374.2758 for additional details and be sure to add GAP to your next vehicle purchase.

± Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term up to 84 months. Recreational Vehicles (RVs including motorcycle, snowmobile, ATV, motor home, classic car, golf cart, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate and other limits apply. GAP Plus Option: The replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. Contact the Credit Union for full details.

TRUECar

TRUECar by USSFCU. Helping members save more.

Get the TRUEPrice—the Actual Price You Will Pay at the Dealership.

1 A 36-month term new or used USSFCU auto loan with an original balance of $30,000 and a 1.99% APR would have an estimated monthly payment of $859. A 84-month term new or used USSFCU auto loan with an original balance of $30,000 and a 2.99% APR would have an estimated monthly payment of $396. 2 Conditions apply. View more informon about our Relationship Discount Program by clicking here. 3 Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. All new or used motor vehicles with a maximum loan of $100,000 are eligible. Benefit coverage limits up to $50,000 with a loan term up to 84 months. Recreational Vehicles (RVs including motorcycle, snowmobile, ATV, motor home, classic car, golf cart, watercraft (i.e., boat or jet ski), or similar vehicles) are at a different policy rate and other limits apply. GAP Plus Option: The replacement vehicle must be financed within 90 days of the date your primary insurance company pays the claim on a total loss. Members should not send personal information via email.