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Let's get you behind the wheel with a low-rate

Key Features

Whether you’re purchasing your first car, looking for a luxurious upgrade, or seeking the thrill of outdoor adventure, FCCU has an auto loan to get you behind the wheel!

We offer financing for a variety of vehicle options— be it a new or used car, truck, motorcycle, or even a recreational vehicle— our friendly and experienced loan officers will guide you through a quick pre-approval process and send you cruisin’ in no time.

We also offer refinancing options for those looking to make a getaway from their current high-rate loan.

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Core Benefits

Additional Benefits

Brief Description

An auto loan is an installment loan with a fixed amount of cash borrowed to purchase a new or used vehicle, or refinance an existing auto loan, and repaid over a set period of time.

We offer secured auto loans, meaning that your vehicle is used as collateral on the loan. FCCU will keep the car title until you finsh paying off the loan, and then it's all yours!

Options for Length of Term

36 to 84 months, depending on the age of the vehicle; See our interest rates for more information

Repayment Terms

You will make fixed, equal monthly payments based on the duration of the loan.

Interest accrues at a rate based on your credit score and the term of the loan. You pay interest and principal with each contracted monthly payment (pre-payment is allowed).

See your loan paperwork for any fees, like late fees, that could occur.

Make a Loan Payment

[1] All loans must be current and cannot be delinquent twice throughout the current year. Mortgage loans must originate in the current year. Student and non-member commercial loans are not eligible for this portion.

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New Car or Motorcycle

2023 - 2024 | Less than 10,000 miles

Term

APR

Payment/$1,000

36 Months

As low as 6.65%

$30.72

48 Months

As low as 6.85%

$23.88

60 Months

As low as 6.90%

$19.75

72 Months

As low as 7.40%

$17.24

75 Months

As low as 7.40%

$16.69

84 Months

As low as 8.60%

$15.89

Used Car or Motorcycle

2019 - 2023 | More than 10,000 miles

Term

APR

Payment/$1,000

36 Months

As low as 7.35%

$31.04

48 Months

As low as 7.35%

$24.11

60 Months

As low as 7.50%

$20.04

75 Months

As low as 7.85%

$16.91

Used Car or Motorcycle

2018 and older

Term

APR

Payment/$1,000

36 Months

As low as 7.75%

$31.22

48 Months

As low as 7.75%

$24.30

60 Months

As low as 8.44%

$20.49

APR is Annual Percentage Rate. Some restrictions apply. Loan rates are subject to qualified credit. Term may be limited based upon age of vehicle and credit history.

See All Loan Rates