As you travel through life, we can help you with affordable financing. But the vehicle you travel in is entirely up to you.

Rates

Key Features

  • Competitive Rates
  • Local Processing
  • Refinancing Available
  • Get the right ride at the right rate 
  • Competitive, fixed rates on new or used vehicles 
  • Up to 115% financing of MSRP or retail value available for qualified buyers 
  • A wide range of terms customized to your unique situation 
  • Refinance your current vehicle to potentially lower your rate 
  • Possible 0.25% rate discount for vehicles that are more environmentally friendly
  • Access a 0.25% rate discount for using Auto Advisors
  • Find peace-of-mind after your purchase with a wide range of protection plans: 
    • Mechanical Breakdown Protection 
    • Guaranteed Auto Protection (GAP) 
    • Payment protection
  • Quick, local decision-making and processing 
  • Attentive, friendly service from start to finish 

Explore Payment Advantage

Payment Advantage is our lower payment option — some people say it is a hybrid lease. You’ll have lower monthly payments, in some cases as much as 40% lower than a conventional loan. You can finance for up to 72 months with no money down. This residual loan program is not your typical lease, it's better because of its exceptions. Some of the exceptions include:

  • You own the car
  • You can sell or trade the car anytime during the term
  • Contact us today for a quote

When you decide to go green, you could save some green too! If your vehicle meets the Environmental Protection Agency's qualifications of being more efficient and less polluting, you may qualify for 0.25% off of your quoted loan rate. “Green Cars” are vehicles with a combined EPA rating of 28 MPG or greater. See the EPA Green Vehicle Guide to find out if your vehicle qualifies as "environmentally friendly."

AutoAdvisors

If you hate the aggravation of dealership haggling over price and want to save money, contact our free AutoAdvisors Representative to locate your vehicle and avoid the negotiation process. Obtain commercial fleet pricing on new vehicles, below-market pricing on used vehicles, fair market value for your trade-in, and a 0.25% rate discount on your loan.

Kick fewer tires when you use our Auto Advisor, Chris Engel. This service is free and will make the car buying process more enjoyable — the way it should be.

Call Chris at (813) 800-TRAX (8729) ext. 234 to make an appointment or to give her details about what you are looking for and what you are trading in.

Or, learn more about AutoAdvisors and find your vehicle online now:

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Payment Protection

We offer payment protection plans for your investment. Be sure to ask us more when you apply for a loan.

Vehicle Insurance

Buy car insurance with us through our partnership with TruStage®. You can find out instantly what your premium will be and can enroll online for the insurance. We offer competitive Auto Insurance, Long Term Care, Medicare and Life Insurance through TruStage.

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GAP (Guaranteed Asset Protection)

Upside Down, Negative Equity Protection

Vehicles are so expensive and we want to help protect you from out of pocket losses. If you take advantage of our lenient financing then GAP (Guaranteed Asset Protection) coverage is for you. This insurance protects the variance between what you owe and what the vehicle is worth. In other words it protects the GAP. And what’s best of all, you can pay this coverage in conjunction with your payment, ask us how when you apply.

This coverage is perfect for those who finance 100% of the value of their vehicle. If the vehicle is reported as a total loss, the coverage covers the "GAP" between what is owed on the loan and the value of the vehicle. Which will allow you to get new wheels without worrying about paying for a vehicle that has been totaled.

Mechanical Repair Coverage

When you decide to purchase a vehicle, remember your credit union offers Mechanical Repair Coverage at great savings.

Three levels are available and you are not tied to a dealer for repairs. The coverage is nationwide, and in most cases is transferable if you sell your vehicle before the loan matures. You can add this at the time when you close your loan.

Call to request a quote or to find out more about the program. Our repair plans allow you to select the coverage deductible and terms that work best for you, coverage includes:

  • Rental and towing reimbursement
  • 24-hour toll-free roadside assistance, and
  • Emergency travel expense

Mechanical Repair Coverage can be canceled at any time on a pro rata basis.

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