Skip to main content

Vehicle Loans

If you’re looking to purchase a vehicle, the best place to start is your credit union. We offer vehicle loans at low rates so you can find a car that fits your needs at an interest rate that fits your wallet.

Get approved for your auto loan by applying online, calling our 24 hour lending line, or by stopping in at our location.

  • Low interest rates
  • Online or over the phone application process
  • Flexible payment options including online banking, automatic transfers, and cash advances
  • Insurance options
  • No pre-payment penalties

We Offer GAP - For the Unexpected

Guaranteed Asset Protection (GAP) is a voluntary program that we offer for your new or used vehicle loan. This financial protection covers the difference in the balance on a car and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered. GAP is a supplemental coverage and does not replace your standard Comprehensive, Collision and Liability coverage's, only enhances them.

No matter how terrific a car is, the minute you drive it out of the show room it is worth less. Depending on where you live, the established market value could be less than the actual balance you owe on your car. With GAP, if your car is a loss, the deficiency will be covered. That includes the difference between your primary carrier's insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranties, and other insurance related charges. Included in the GAP payment is your primary insurance deductible, which is covered up to $1,000 if a deficiency exists. In addition, you are eligible for an additional $1,000 towards the purchase of a replacement vehicle financed through the credit union.

Consider; you buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000. $5,000 you would have to pay for a car that you no longer have! With GAP, that $5,000 is paid. Think about it! When you are applying for your next auto loan, ask about GAP. If you have any questions, please call (800) 543-5785. We'll be happy to explain!
vehicle-loans