Auto Loans
New/Used Auto Loans
Competitive, fixed rates on new or used vehicles!
Roadtripping with your friends and family is so much more exciting with a low loan rate.
Competitive rates and free pre-approval for auto loans.
Traffic isn’t as bad when you know you’re getting the best deal. Our auto loans are made with you in mind to give you the best rates and the most buying power when you go in for your new set of wheels.
- Competitive, fixed rates on new or used vehicles**
- Up to 120% financing available for qualified buyers
- A wide range of terms customized to your unique situation
- Pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate***
- Local decision-making and processing right here in South Austin
- Helpful, customized service throughout the entire process
For your protection we offer:
Credit Life & Disability Insurance
Coverage for your family’s loan payments. Credit Insurance could give your family coverage for the unexpected.
Your loved ones come first, but if something were to happen to you, paying your debts could make a hard situation even tougher. Credit Disability and Credit Life Insurance could make your loan payments in the event of a covered disability or death. It’s coverage that could help a tough situation from getting worse.
Enjoy the security that could come with being covered. Ask about Credit Disability and Credit Life Insurance today.
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992.
VT only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.
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Gap Insurance
Protect your investment with GAP coverage. Your car loses value the second you drive it off the lot, which can put a surprising strain on your wallet if your car is totaled.
The value of your vehicle can be substantially less than what you still owe on your loan. GAP coverage takes care of this financial gap. It’s available for both new and used vehicles. The cost can be added to your loan.
Austin FCU’s GAP insurance comes with an added benefit called Auto Deductible Reimbursement (ADR). This is a unique benefit that protects you if you’re involved in an accident that doesn’t result in a total loss. ADR will pay up to $500 towards your deductible anytime you have to pay your deductible in the first 3 years of your loan. Auto-Advantage-ADR-Product-Display-Card
GAP Documents:
Auto-Advantage-ADR-Product-Display-CardADR Information Sheet
Mechanical Breakdown Protection (MBI)
Expensive repair bills can throw a wrench in your budget, unless you have an extended warranty. Austin FCU offers this coverage at just a fraction of what you would pay at the dealership. The cost can be added to your loan.
MBI Documents:
Sample MBI Contracts (not all coverage levels are available for all vehicles, speak to your loan officer to get a quote specific to your vehicle)
NOTE: At this time Austin FCU is not able to offer financing on the Tesla Cybertruck. We are sorry for the inconvenience.
**Final rate is based on your credit score, term, and amount requested. Loan approvals are valid for 30 days. Maximum term contingent upon vehicle value, mileage, and condition. Vehicles must be model year 10 years old or newer and mileage cannot exceed 100,000 (term restrictions may apply for mileage over 80,000). Certain makes/models may not be eligible for financing. No salvage or bonded titles. No out of state vehicles. All parties on registration must be on the loan.
For more information, please fill out the contact form below.