Auto Loans

With rates as low as ours, you'd think we would stop there in providing superior advantages. But excellent rates are only the beginning with Advantage Plus. Enjoy multiple levels of protection so strong it's like driving with a force field shield around your vehicle. 

Daily drivers, weekend cruisers, or a family shuttle…whatever the vehicle, we can help secure affordable payments for your budget. And all of this doesn’t just apply to closings; we'll even get involved before you buy to find ways to save you money.

  • Excellent rates for new and used daily drivers and recreational vehicles
  • Up to 100% financing
  • Terms up to 8 years
  • Pre-qualification available for increased buying power
  • Refinance your current vehicle to secure a potentially lower rate
  • Local decision making for a fast and easy approval process
  • Unsurpassed personal service
  • Superior protection after vehicle is purchased (see additional tab)
Auto Coverage Options

Guaranteed Asset Protection (GAP) can save you big time!

Most cars depreciate by thousands of dollars as soon as they roll off the lot. But if your vehicle is damaged beyond repair or stolen, you are still liable to pay the difference, or "gap," between your insurance settlement and your loan balance.

Unless you have GAP. 

GAP is an affordable coverage that could save you thousands of dollars. You can sign up when you apply for your vehicle loan with Advantage Plus Credit Union. There is no underwriting, no red tape, no hassles. If you change your mind, your fee is fully refundable if you cancel in the first 90 days.

Features & Benefits:

  • Pays deductible on insurance policy
  • Balance of loan is automatically paid off
  • Pays $1,000 toward purchase of another vehicle if loan is financed with us
  • No out of pocket expenses
  • One low fee of $349 annually that can be rolled into your auto payments
  • Does not increase loan rate

Extended Warranty

You can extend your vehicle's factory warranty with Automotive Solid Gold Protection. This optional coverage can help you avoid costly repair bills.

  • Nationwide protection
  • Available on new and pre-owned vehicles
  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Tire road hazard protection and trip interruption coverage
  • Coverage is transferable if you sell vehicle before agreement expires
  • Increased resale value
  • Fully insured program
  • Direct payment to repair facility
  • One deductible per visit
  • 3 plans to choose from 

Need to make a claim? Call the Claims Authorization Number at (800) 654-8455.

Automotive Solid Gold Protection Plans are insured by American Mercury Insurance Company, a member of the Mercury Insurance Group.

Auto Buying & Discounts

Invest in America

Save thousands of dollars and provide a boost to the U.S. economy at the same time. Invest in America is an exclusive program for credit union members providing great discounts on select new GM vehicles. The deal gets even better when you finance your vehicle with us. Thanks to our lower interest rates, your savings will really add up. 

Kelly Blue Book

Be informed about the value of your car and more.


CARFAX can help you determine if the vehicle you plan to buy has been in an accident.

AskAuto™ app

The AskAuto™ app rides along on your car shopping and buying experience by offering vehicle information and loan application assistance. As a participating credit union member, you can easily compare vehicles you find on the dealer lot, get information on loans, and submit a loan application – all from your mobile device. The AskAuto™ app pulls vehicle information like the average cost of a new or used car, EPA mileage estimates and more. Then, you can rank, compare and make notes on cars you've scanned. Plus, you can elect to receive messages from your credit union with loan offers and guidance and get them while you're shopping on the dealer lot. It's this simple: scan, compare and submit.


Scan the VIN numbers of cars you're interested in to receive key vehicle information right at your fingertips. The AskAuto™ app will help you shop and buy smart.


Compare vehicles you find on dealer's lots, rank your favorites and take notes on each as you shop for your dream car. The AskAuto™ app pulls basic information about the vehicles you're interested in and allows you to rank and compare your favorites.


Submit an auto loan application to our credit union - either to pre-qualify or once you've found your dream car. Advantage Plus Federal Credit Union can give you advice on the best path to loan application for you.

If you're ready to buy a car, take the AskAuto™ app for a spin. With powerful information in your hands, applying for an auto loan with Advantage Plus Federal Credit Union is easier than ever.

After downloading and opening the AskAuto™ app, you'll have the chance to choose Advantage Plus Federal Credit Union to personalize the app. Be sure to select Advantage Plus FCU on the app's startup screen.

Click here to download now: Apps availabe at the App Store and on Google Play.

Apply for an Auto Loan