Auto Loan Center

New & Used Auto Loans

Our low, fixed rates on auto loans can put you in new wheels at flexible terms and payments you can afford. We will finance up to 100% of MSRP or retail value. We also offer you competitive mechanical repair coverage, GAP protection and credit life/disability products.

Auto Refinancing

If you would like to compare your current vehicle payments with another financial institution with our low rates and payments, check out our current Rate Page, call our office we'll get the refinace started and you'll be on your way to saving money, you can start the application online at anytime.

Payment Advantage

Payment Advantage is our lower payment option. You’ll have lower monthly payments, in some cases as much as 40% lower than a conventional loan. You can finance for up to 60 months with no money down. This residual loan program is not your typical lease, it has exceptions. Some of the exceptions include: you own the car; you can sell or trade the car during the term. Call today for a quote.

Apply Online  View Rates  Auto Loan Calculators

Auto Advisors

If you hate the aggravation of dealership haggling and want to save money, contact our free Auto Advisor Service to locate your vehicle and avoid the negotiation process. Obtain commercial fleet pricing on new vehicles, below-market pricing on used vehicles, and fair market value for your trade-in.

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) 621-6661 ext. 234 to make an appointment or to give her details about what you are looking for and what you are trading in. To see what vehicles Auto Advisors has at many of their dealers click here.

AutoSMART

We have the online tools you’ve been looking for – everything from researching the make and model to locating where it’s parked. It’s all available with AutoSMART. With AutoSMART you can:

  • View our preferred dealers in the area
  • Shop and locate a new or used vehicle all online
  • Take advantage of Railroad & Industrial financing
  • Calculate your trade-in value
  • Post your personal vehicle for sale with the “Sell Your Ride” feature
  • Use our online calculators

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.

Learn More

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 our 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 vehhicle 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 Breakdown Coverage

Take the worry out of car repairs or out of warranty maintenance when you have our Mechanical Breakdown Coverage. This coverage is available in three levels and you are not tied to a dealer for repairs with the program. The coverage is nationwide and is transferable if you sell your vehicle before the loan matures. You can add this at the time when you close your loan, or you can purchase a mechanical breakdown plan within twelve months of your purchase. Call to request a quote or to find out more about the program.

Mechanical Repair Coverage

When you decide to purchase a vehicle, remember your credit union offers extended warranties at great member savings. Our mechanical 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

Our warranties are good at any licensed repair facility in the U.S. and Canada, transferable if you sell your vehicle, and cancelable at any time on a pro rata basis.