Auto Loans
Auto Loans
Finance your next new or used vehicle 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 available1
- Up to 110% financing of National Automobile Dealers Association value available2
- 0.25% rate discount for automatic payments from a USSFCU account3
- Refinance your current vehicle and potentially lower your rate
Extended Warranty plans offered |
Guaranteed Asset Protection (GAP) coverage available4 |
Use our USSFCU Car Buying Service powered by TrueCar to get the best deal on your new or used auto.
Get Pre-qualified!
Already a USSFCU member? See if you are already pre-qualified for a USSFCU New or Used Auto Loan.
Looking to Apply After Regular Business Hours? With USSFCU After Hours service, we review applications and make decisions after regular business hours.
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]
USSFCU offers Guaranteed Asset Protection (GAP) Plus coverage! ±
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!
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.
Click here or call 800.374.2758 for additional details.
± 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. 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.
1 An 84-month term used USSFCU auto loan with an original balance of $30,000 and a 5.24% APR would have an estimated monthly payment of $427.41. 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.