Vehicle Loans: Put yourself in the driver’s seat.

You don’t have to just dream about owning a great car, truck, SUV or recreational vehicle—with help from JSC Federal Credit Union your dream can become a reality. The low rates and flexible terms at JSC Federal Credit Union help to keep your payments low and affordable. Whether you apply at a branch, right at a dealership or online, you’ll get a quick answer on your loan approval —and your key in the ignition before you know it.

Benefits of JSC FCU Vehicle Loans

Are you a First Time Vehicle Buyer? Click here for a step-by-step guide!

Refinances Welcome!

Refinancing your loan from another lender could save you hundreds of dollars in interest or lower your monthly payments. Talk to us to compare financing.

Steps to Apply for Your Vehicle Loan

JSC FCU makes it easy and convenient to get a new or used vehicle loan; online application, at one of the preferred dealerships or by coming in to visit one of our branch locations. And of course the great loan rates are hard to beat! If you are wondering how much you would qualify for; then a pre-approved vehicle loan would be a great choice.

Or… you may be out at one of our many preferred dealerships and find a new or used vehicle to purchase without being pre-approved. The loan can be handled thru Indirect Lending with the finance director of the dealership. If you are a JSC FCU member, the loan can be handled thru Indirect Lending with the finance director of the dealership. Just let them know that you are a member of JSC FCU. This is a very simple and an easy way to purchase a vehicle at any time of the week.

Are you a First Time Vehicle Buyer? Click here for a step-by-step guide!

What are JSC FCU loan decision factors? Click here to find out.

 

New or Used Auto Loan
If a new or used vehicle is in your plans, look no further than JSC FCU for your next auto loan. When you finance your vehicle at JSC FCU, you're getting more than just a great rate. You can also get JSC FCU financing right at the dealership!  Contact a sales representatives from one of our Preferred Auto Dealerships to take advantage of Credit Union member pricing.  Use the online NADA guide to look up the latest new or used car prices.

More Vehicle Loans
Now if a Boat, RV or even a Camper is what you need, our lending professionals can help.   JSC FCU offers a wide variety of vehicle loans to help get you in the vehicle of your dreams, all with easy terms and a great low rates.

New or Used Boat
New or Used RV
New or Used Camper
New or Used Travel Trailer
New or Used Airplane
New or Used Mobile Home
New or Used Farm Equipment

Calculators
Is a new or a used vehicle better for you? Should you lease or purchase? What vehicle can you afford? Our calculators can help: Vehicle Loan Calculator | Credit Union vs. Dealer Financing

Protect Your Vehicle

Mechanical Repair Coverage - When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you will have peace of mind knowing that most problems can be taken care of with an Extended Service Contract from Auto Exam, Inc.

GAP Plus Protection Insurance - Gap Plus Protection bridges the "gap" that can occur when the unexpected (accident or stolen) happens to your vehicle. It bridges the amount you owe and the amount your auto insurance covers for your vehicle. The moment you drive your vehicle off the lot, the value of your vehicle may be reduced. Included in the benefits are:

  • Protection for the term of your loan up to 84 months
  • Coverage for vehicles valued up to $100,000 at the time of purchase
  • Coverage for auto insurance deductibles up to $1,000 if a gap exists

Example: Loan Payoff to Credit Union is $18,000; actual cash value determined by the insurance is $15,000 minus your deductible of $500 results in an auto settlement of $14,500 with potential out of pocket expenses of $3500….GAP Payment will be $3500.

Loan Rates and Application

Vehicle Buying Resources

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