Vehicle Loans

Ford-F150_400UYFCU makes car financing easy. Financing is available for new vehicles, used vehicles, private party purchases, lease buy-outs, and refinancing from another lender. We offer competitive rates. Besides fast service, a credit union loan offers:

  • Low, competitive finance rates
  • Up to 100% financing on new cars, including tax, license, and extended warranty
  • Up to 100% of retail Blue Book value or cash price, whichever is less, on used vehicles, refinances, and private party purchases – any year model
  • No application fee or funding fee
  • Terms up to 84 months – based on amount financed
  • Pre-approvals for easy, hassle-free shopping
  • Additional low-cost protection for your vehicle with GAP, MBI, and Credit Life and Disability Insurance (see below)
  • Match or beat dealer rates – Show proof of a better offer and we may match it, or beat it. Subject to credit approval. Some dealership financing does not qualify. 

Current Loan Rates
All loans are subject to credit approval.

We also make it easy for you to purchase a vehicle with no haggling and no hassles. See our Car Buying Service page for more details.

Guaranteed Asset Protection (GAP)

GAP coverage pays the difference between your vehicle’s value and your insurance payout if your vehicle is stolen or totaled in an accident. If the value of your car is less than the balance of your auto loan, you’re “upside down” on your loan, and there’s a gap that isn’t covered. As many drivers have learned only after it’s too late, a standard auto insurance policy might not provide all the financial protection you need.

If you put little or no money down, or took out an extended-term loan (60 months or longer), GAP coverage is recommended. A car starts depreciating as soon as you buy it, with the most drastic loss in value occurring as you drive off the lot and the vehicle goes from “new” to “used.” To be ahead of the depreciation curve you would need to put at least 20% down.

GAP coverage is typically purchased at the time the vehicle is financed. However, it can be purchased at any time. For additional information call the loan department today.

Mechanical Breakdown Insurance (MBI)

MBI protects against unexpected and expensive car repairs. With this MBI policy, you can take your car to any licensed repair facility in the US and Canada with prior approval (including the dealer’s repair facility). This policy is similar to the dealer’s extended warranty, but our prices are usually 30% to 50% below those offered by dealers. MBI is available on new and used vehicles. In addition to top-of-the-line coverage by one of the best rated insurance companies, each policy includes:

  • 24-hour roadside towing and lock-out assistance
  • Vehicle rental reimbursement
  • Trip interruption
  • Tire/road hazard protection
  • No limit on claims
  • Transferable if you sell your car

Best of all this additional coverage is very affordable and can be included in your loan financing. Contact the loan department for a quote or additional information.


Credit Life and Credit Disability Insurance can help protect your family and heirs from your loan obligations in case of your death (Credit Life) or disability (Credit Disability).


  • Coverage for personal and consumer loans including credit cards, auto loans, and personal loans, up to a maximum of $30,000
  • Easy payments—cost is included in your loan payment
  • No medical questionnaire (if applied for within 30 days of loan advance)
  • Affordable, low-cost coverage
  • Premiums based on outstanding loan balance

Credit Life and Credit Disability Insurance gives you peace of mind when you need it most. Certain eligibility requirements and exclusions may apply. For more information, call the loan department.

CA Insurance License 0D73742