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Terms Loan Amounts  APR1 Estimated Monthly Payments*
up to 36 Months Maximum: $150,000 As low as 1.99%1 As low as$859*
Up to 48 Months  Maximum: $150,000 As low as 2.24%1 As low as1 $654*
Up to 60 Months  Maximum: $150,000 As low as 2.49%1 As low as1 $532*
Up to 72 Months Maximum: $150,000 As low as 2.74%1 As low as1 $452*
84 Months  Maximum: $150,000 As low as 2.99% 1 As low as1 $396*

USSFCU's GAP Coverage Price $2993

Average Dealer Price $7504


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All 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. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. View for rates, terms and conditions. 

Read USSFCU's complete Smart Rate Agreement and Disclosure here .

* Other fees may apply. See Visa disclosure for complete information.

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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.

Some auto loan features include:

  • Low, fixed rates on new or used vehicles
  • Terms up to 7 years
  • Pre-approval available
  • Up to 110% financing of NADA value available+
  • 0.25% rate discount for automatic payment from a USSFCU account++
  • Guaranteed Asset Protection (GAP) coverage available±
  • Refinance your current vehicle and potentially lower your rate
++ Conditions apply.

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.

1 Limited time offer. Qualifying members may elect to defer their first payment for up to 60 days from the date funds are disbursed once their United States Senate Federal Credit Union (USSFCU) loan is approved and funded and they have purchased GAP insurance through USSFCU. Loan & terms are subject to approval. Interest will accrue during the deferral period. Offer not available on vehicles currently financed at USSFCU. The first loan payment will be due up to 60-days following the date funds are disbursed. Cannot be combined with any other offer. USSFCU reserves the right to update, modify or cancel this promotion at any time without notice. 2 APR = Annual Percentage Rate. Rate effective 11/1/2019 and subject to change. Maximum term for stated “as low as” rate is 36 months. 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. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Additional terms and conditions may apply. View all USSFCU auto loan rates, terms and conditions at 3 All new or used motor vehicles with a maximum loan of $100,000 are eligible to apply for GAP coverage. Not all vehicles are eligible. For a list of ineligible vehicles visit Benefit coverage payout limits up to $50,000 with a loan term up to 84 months. Guaranteed Asset Protection 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. 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. 4 According to esurance®, “GAP Insurance: What it is and why you might need it” Article, “

Membership eligibility required. This credit union is federally insured by the National Credit Union Administration.