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Auto Loans

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 years
  • Pre-approval available
  • Up to 110% financing of Kelly Blue Book value available1
  • 0.25% rate discount for automatic payment from a USSFCU account2
  • USSFCU Extended Warranty Plans3
  • Guaranteed Asset Protection (GAP) coverage available3
  • Refinance your current vehicle and potentially lower your rate

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

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Learn About Eligibility or Join Now!


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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]

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.

1 Kelly Blue Book (KBB).
Conditions apply.
Please see information below for more details.

*Members should not send personal information via email.