Auto Loans

A car is more than just transportation — it's an expression of your own personal style. No matter what type of automobile you prefer, an auto loan from USSFCU is always a smart choice. USSFCU offers low rates and flexible term options to keep your payments low. Since we're locally based in the DC area, we can get your paperwork processed fast, so you can get back out into traffic in style!

Are you a member of United States Senate Federal Credit Union?

  • Competitively low, fixed rates on new or used vehicles
  • Up to 110% financing available for qualified buyers on new or used vehicles
  • A wide range of terms of up to 7 years (84 months) for new auto loans and up to 6 years (72 months) for used auto loans*
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • 0.25% rate discount for automatic payment from a USSFCU account with a Classic or a Gold Collection
  • Professional, local service from beginning to end
Recreational Vehicles (RVs)

Enjoy a fixed-rate, closed-end loan to purchase or refinance a new or used recreational vehicle. From scooters to RVs, USSFCU has you covered!

Competitive rates for a wide range of recreational vehicles:

  • ATVs
  • RVs
  • Motorcycles
  • Boats
  • Personal watercraft
  • And more!
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.

*APR=Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. A Used Auto Loan with an original balance of $15,000 and a 48-month term with an APR of 1.99% totals a monthly payment of $325.36 and an 84-month term with an APR of 3.79% totals a monthly payment of $203.59. Rates effective as of November 1, 2017. Rates subject to change without notice.