Auto Loans
Auto Loans
Auto Loans & Refinancing
Get a low-interest car loan that fits your budget or refinance an existing auto loan for a potentially better rate and a lower payment. It's quick and easy to apply with USSFCU.
Auto Loan Details:
- Low, fixed rates for both new and used vehicles
- Flexible terms up to 7 years1
- Convenient pre-approval process1
- Up to 110% financing based on the National Automobile Dealers Association value2
- Enjoy a 0.25% rate discount for automatic payments from a USSFCU account3
Refinancing Made Easy
Refinance your current vehicle with us and explore the potential for a lower interest rate and reduced monthly payments. Our streamlined process ensures a quick and hassle-free experience.
Additional Benefits:
- Utilize USSFCU Car Buying Service powered by TrueCar for the best deals on new or used autos
- Choose from Extended Warranty plans for added peace of mind
- Protect your investment with Guaranteed Asset Protection (GAP) coverage
24/7 Loan-by-Phone: Whether it's nights or weekends, we are now available to review applications and make decisions after regular business hours. Call and discuss your loan with us at your convenience at 800.374.2758.
Tailored just for you, our Extended Warranty plans are designed to meet your specific needs. No matter which plan your vehicle is eligible for, there are coverage benefits every driver deserves. Importantly, you don't need to have your loan with us to purchase a warranty.
Every plan comes with:
- Zero Deductible
- Nationwide Coverage
- 30 Day Money-Back Guarantee
- Transferable
- Interruption Coverage
- 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
Discover which plan is best for you by calling Member Services at 800.374.2758.
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]
Secure your vehicle investment with USSFCU's Guaranteed Asset Protection (GAP) Plus coverage! If your vehicle is stolen or deemed a total loss in an accident, GAP steps in to bridge the gap between your primary insurance settlement and the remaining balance on your loan. Gain peace of mind and safeguard your vehicle against potential financial setbacks with GAP Plus. Enjoy added protection with a $1,000 contribution towards the principal of a replacement vehicle financed through USSFCU.*
For more information, click here or call 800.374.2758.
* 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 at 800.374.2758 for full details.
*APR = Annual Percentage Rate. All loans subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Rates subject to change without notice. Not all applicants will qualify for the lowest rate. No private party sales are eligible.
1 An 84-month term new USSFCU auto loan with an original balance of $10,000 and a 5.99% APR would have an estimated monthly payment of $146.04. Rates as of 12/01/2023 and subject to change without notice. Certain conditions may apply. Contact Member Services at 800.374.2758. 2 Based on National Automobile Dealers Association valuation. 3 Members who participate in auto pay and online/mobile banking may be eligible to receive a maximum interest rate discount of up to 0.50%. Conditions apply. Visit ussfcu.org/discount or call 800.374.2758 for more information. 4 Guaranteed Asset Protection (GAP) is not intended to replace 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 of up to 84 months. Recreational Vehicles (RVs including motorcycles, snowmobiles, ATVs, motor homes, classic cars, golf carts, 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. 5 Neither TrueCar nor USSFCU brokers, sells or leases motor vehicles. Unless otherwise noted, all vehicles shown on ussfcu.truecar.com are offered for sale by licensed motor vehicle dealers. Used vehicles are subject to prior sale. By accessing the TrueCar website, you agree to the TrueCar Terms of Service and Privacy Policy.
Members should not send personal information via email.