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

JSC FCU can help you put yourself in the driver's seat of a new or used car, truck or recreational vehicle. With competitive rates and flexible terms, we'll give you a great deal with affordable monthly payments to fit within your budget.

Click on the tabs below to learn about our loan benefits and steps on how you can apply. Plus, be sure to check out our Member Auto Center, which is our one-stop online resource with everything you need for your vehicle search.


Benefits of JSC FCU Vehicle Loans

  • Low, competitive rates.
  • Simple and easy ways to apply - online, by phone, or at a branch.
  • Refinances and Pre-Approvals welcome - give us a call or visit a branch for financing options.
  • Quick loan approval process with an answer normally within two business days.
  • Flexible terms up to 6 years on new and used autos; up to 15 years for new and used Boats and RVs.
  • Access to our online Member Auto Center where you can research new and use autos, find Credit Union Preferred Dealer Contacts at area-wide dealerships, plus much more!
  • Find dealers that provide JSC FCU financing onsite at the dealership.
  • No penalties if you choose pay off your loan early.
  • Low-cost optional payment protection insurance.
  • Free online loan calculators - Vehicle Loan Calculator | Credit Union vs. Dealer Financing Calculator
  • Convenient payment options - auto deduction; transfer via STAR/StarPC Online Banking; Online Payment Center; at a branch; or by mail.
    First Time Vehicle Buyers: Click here for a step-by-step guide

    Refinances Welcome: Refinancing your loan from another lender could save you hundreds of dollars in interest and lower your monthly payment. Visit any branch or call us to compare financing options available to move your loan.

    Proof of Insurance: Did you receive a letter about providing JSC FCU Proof of Insurance? Click here to learn how.

    Steps to Apply for Your JSC FCU Vehicle Loan

    JSC FCU makes it easy and convenient to apply for a new or used vehicle loan - get started now by following these steps:

  • Check out our current Vehicle Loan Rates.
  • Visit our online Member Auto Center where you can search for new and used vehicles, find preferred dealers, get expert auto buying advice, find out what your current vehicle is worth and much more.
  • Determine what monthly payment amount would fit your budget with our online calculators -
    Vehicle Loan Calculator | Credit Union vs. Dealer Financing Calculator
  • Complete an application either online, at any of our branches or by phone; please note that you may be asked to provide valid photo identification and proof of income at the time of application.
  • Getting a Pre-Approval loan? You'll be ready to start shopping knowing your financing and budget is already in place.
  • Already found the perfect vehicle and want to close on your loan at a JSC FCU branch? Bring the purchase agreement from the dealership into the branch to finalize your loan.
  • Confirm that you have an auto insurance company established to send an insurance binder for your new vehicle purchase.
  • First Time Vehicle Buyers: Click here for a step-by-step guide

    JSC FCU Loan Decision Factors: Click here to learn more

    New and Used Vehicle Loan Types

    JSC FCU offers a wide variety of vehicle loan types for any new or used vehicle purchase you may need. Please see the most popular types of vehicle loans we offer listed below. If you do not see the type of vehicle loan you need listed, please give us a call or stop by a branch and we'll be happy to assist you. For current vehicle loan rates, click here.

    • New or Used Mobile Home - terms up to 4 years
    • New or Used Farm Equipment - terms up to 4 years
    • New or Used Camper - terms up to 5 years
    • New or Used Motorcycle - terms up to 5 years
    • New or Used Auto - terms up to 6 years
    • New or Used Boat - terms up to 15 years
    • New or Used RV - terms up to 15 years
    • New or Used Airplane - terms up to 15 years

    Learn more about JSC FCU Vehicle Loans: Loan Benefits | Steps to Apply

    Protect Your New or Used Vehicle

    Mechanical Repair Coverage - When buying any vehicle, there is always a chance of having a mechanical breakdown. However, you'll have peace of mind knowing that most problems can be taken care of with an Extended Service Contract from Auto Exam, Inc. When buying a used vehicle, it's a good investment to have a Pre-Purchase Inspection done that will alert you to hidden damage. Auto Exam, Inc. can help you with this service as well.

    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.

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