Auto Loan Center

New Vehicle Loans

Our low, fixed rate on new vehicle loans can put you in the new wheels you want with flexible terms and payments you can afford. We will finance up to 100% of MSRP or retail value. To be considered a new, there must be fewer than 10,000 for the current year or previous year.  We also offer you competitive mechanical repair coverage, GAP protection and credit life/disability products.

Used Vehicle Loans

Our low, fixed rate on pre-owned vehicle loans can put you behind the wheel with flexible terms and payments you can afford. We will finance up to 100% of MSRP or retail value. Vehicles up to 6 years old can be financed in our used loan program. We also offer competitive mechanical repair coverage, GAP protection and credit life/disability products. For vehicles so equipped and that qualify, you can also get three free months of SiriusXM programming.

SiriusXM® Credit Union Program
SiriusXM® and Railroad & Industrial are pleased to bring you another benefit of your membership. As an added value to members who are approved for pre-owned auto loans and refinancing, we are offering a FREE 3-Month trial subscription of the SiriusXM All Access package on SiriusXM-enabled vehicles.
 
Here's how it works:
  1. Secure your pre-owned auto loan by visiting a branch, applying online or contacting us.
     
  2. Sign the Opt-in form and agree to share your vehicle and contact information with SiriusXM to determine eligibility.
     
  3. If your vehicle is eligible, SiriusXM will begin your trial subscription and communicate how to find programming and options to extend service following the trial subscription.
  • The All Access Trial includes streaming so you can listen anywhere, online or on the app
  • No credit card required
Frequently Asked Questions:
  1. Will all pre-owned vehicles receive a complimentary trial subscription?
    No, vehicles with active SiriusXM subscriptions, and vehicles which have received the SiriusXM service on a trial in the prior 12 months may not qualify for the SiriusXM subscription as part of the Credit Union Program.
     
  2. What will happen to the subscription after the free 3-month trial period?
    If you have not purchased a subscription package for after your trial ends, your SiriusXM service will automatically stop at the end of your trial period.

    If you decide to continue service, the paid subscription plan you choose will automatically renew and you will be charged the rate in effect at that time and according to your chosen payment method. Fees and taxes apply. You may cancel at any time by calling 1(866)635-2349. See the SiriusXM Customer Agreement for complete terms at www.siriusxm.com. All fees and programming subject to change.
     
  3. How do I cancel my trial subscription?
    To cancel your trial, you must call SiriusXM at 1 (866)635-2349.
     
  4. What vehicles are qualified to receive this free trial subscription?
    SiriusXM will determine your vehicle's eligibility.
If you need additional information about the SiriusXM Credit Union program, please call (813)621-6661.
 

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, then call our office and we'll get the refinance started right away and you'll be on your way to saving money, or you can start the application online at any time.

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 60 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
  • 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 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. Plans are available in three levels and you are not tied to a dealer for repairs. 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. 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.