Railroad Industrial Federal Credit Union Home | Accounts & Services | Locations & Hours | Contact Us  
News & EventsAbout UsJoinLoansRates & FeesAccounts and ServicesSavings & InvestmentsMember ServicesAuto AdvisorsCareersAll Things Auto

Membership Matters

Sallie Mae

All Things Auto
Loan Application

Apply online from PC Connect. Just login to your account and complete the loan application or use the application below. Just print the form, complete it and fax or email it to newsletter@rifcu.org.

Back to News

Our Loans

When you’re ready to borrow – check with us first.

We offer a full array of borrowing options. 
  • Conventional loans we offer competitive rates and terms to 84-months. We can even defer the first payment for up to 90 days.
  • First time buyer program for members who are new to borrowing, and who have been on the job for at least one year.Call for more information or click here to apply.
  • Credit rebuilder program for members that got behind during the recession. We have a credit rebuilder loan that might be what you need to gain control. Call for more details or click here to apply.
  • Payment Advantage lower payment option program is just what you need if your dream vehicle is just beyond your reach. This program is like a lease since the monthly payment can be as much as 40% lower than a traditional loan payment. And it’s like a traditional loan since you own the car. You can buy a new or used vehicle too! Call for more information orclick here to apply.


Payment Advantage (SM)

What is Payment Advantage?

Payment Advantage our lower payment option. This residual value loan program affords you lower monthly payments while you own the vehicle.
With Payment Advantage
  • You'll have lower monthly payments – as much as 40% lower than conventional loan payments. So you'll get more value for your money.
  • You can finance with no money down required – even the taxes and registration can be included.
  • You'll get flexible loan terms from 36 to 60 months. And you can finance vehicles up to 4 years old.
  • You can eliminate negative equity - gets you out the cycle of paying off a previous loan with your next vehicle loan.
  • You own the vehicle.
  • You carry personal vehicle insurance the same as you would on a conventional loan.
  • If you keep the vehicle for the full term, you get a fair residual market value. 
  • You're not limited during the term or at the end of the loan. You can buy, sell or trade your vehicle during the term. At vehicle loan maturity you can: refinance the vehicle and keep it; sell it; trade it; return it, in lieu of making final balloon payment with no end of loan hassles*!
  • There are no surprises at end of loan term with our pre-turn-in inspection process! We notify you of any potential charges or fees* prior to the loan maturity. This inspection provides you with the information you need to determine which end of loan term option is best for you.

    *If you choose to turn in your vehicle, there are associated charges as outlined on your addendum and may include: charge for excess mileage of $.10 per mile; a flat disposition fee of $195; and wear and tear charges if any as determined by section 3.(a) of your addendum. *Rates, terms and fees are subject to change without notice, all loans are subject to approval and restrictions may apply.

With Payment Advantage you can

  • Use our free Auto Advisor service. Call Chris at 813.621.6661 ext. 234 to get the deal you want and then use Payment Advantage for your best payment. Chris will help you find the vehicle you are looking for. She will negotiate the deal with the dealer and will accompany you or have the vehicle delivered to you. She will also negotiate the trade-in value of your old vehicle with the dealer. Call today. 
  • Shop online with the GM Credit Union Member Discount, which allows you to build the Chevy, Buick, GMC, or Cadillac that you want. Just click your way through to get your GM discount authorization number. You can save hundreds, even thousands. You get preferred pricing on most new vehicles; stack dealer incentives on top of the GM member discount; and  save when you finance with our low competitive rates and terms.  is available to all current and eligible credit union members. You can receive preferred pricing (with proof of participating credit union membership) when you purchase an eligible, new GM vehicle.   


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. To find out more click here.

GAP (Guaranteed Asset 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.
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.

Auto Advisor

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.

 Chris Engel our Auto Advisor will:
  • Create a haggle-free and hassle-free car buying experience
  • Find the new or used vehicle of your choice
  • Coordinate your financing with us
  • Get you the most value for your trade
  • Meet you at the dealership to insure a smooth purchase process
  • Make sure you get a copy of the CarFax on your used vehicle purchase
  • Make sure you understand your new car pricing in relation to invoice
  • Serve as an ally between you and the dealer
  • Be your advocate during the entire sales and purchase process
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.


Car Club

©2006 Railroad & Industrial Federal Credit Union     Privacy Policy | External Link Policy
Web Site Design by JSS Enterprises, Inc.