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Find answers to our Frequently Asked Questions.
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Let us help you with a pre-approval before you get to the dealer. Knowing the loan amount, payment terms, and rate can give you the information you need to make a smarter purchase.

Terms APR Payment Terms
0-36 months As low as 3.00% $29.08 per $1,000 per month for 36 months
37-66 months As low as 3.25% $16.57 per $1,000 per month for 66 months
67-75 months As low as 3.75% $14.98 per $1,000 per month for 75 months
76-84 months As low as 5.25% $14.25 per $1,000 per month for 84 months

APPLY

APR=Annual Percentage Rate. Rate shown is for Loan-To-Value (LTV) less than or equal to 110% and includes 0.25% rate reduction for automatic payment from an A+FCU account or electronic funds transfer from another financial institution and 0.50% rate reduction for 5,000 PlusPoints. Rate may increase if automatic payment is cancelled. Add 1.00% to the above rates when Truck is 1.5 tons or more, or if vehicle has greater than 100,000 miles. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. Rates as of 7.16.18.

Refinance Your Auto Loan and Save

Drive down your rate today. Bring your auto loan to A+FCU and we’ll beat your current rate by
0.50% APR or more.

  • No payments for 90 days*
  • Use PlusPoints to lower rate by as much as 0.50%**
  • No fees

To apply, visit any A+FCU location, call us at 512.302.6800, or apply online.

APPLY

*Interest accrues from date of loan disbursement. Membership required. APR=Annual Percentage Rate.
**Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%.
Excludes existing A+FCU loans. Associations and business accounts are not eligible. Autos only – no recreational vehicles. Minimum loan amount of $10,000. Automatic loan payment required from A+FCU account. Lowest rate available is 4.25% APR with automatic payments. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. Floor rate and offer expires 9.30.18.

Insurance and Protection

After buying a new or used vehicle, let A+FCU guide you to the right products designed to protect your investment.

Mechanical Breakdown Protection

Mechanical Breakdown Protection (MBP) is vehicle protection that covers mechanical failures after the manufacturer’s factory warranty expires. As vehicle repairs become more expensive, MBP helps pay for the rising costs of repairs.

  • Nationwide protection
  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Transferable coverage
  • Available on A+FCU loans

INSTANT QUOTE

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) with Auto Advantage covers the difference between the cash value of your vehicle at the time of theft or total loss and what you actually owe on your loan. Most insurance companies only pay the cash value, regardless of how much you owe on your loan.

  • Can be included in the amount of the vehicle loan
  • Available on a variety of vehicles including motorcycles, boats, RVs
  • Auto Advantage benefits include Auto Deductible Reimbursement (ADR), Personal ID Restoration Consulting, and Warranty Vault™ services
  • Available on A+FCU loans

Ask your A+FCU lending representative for details about GAP with Auto Advantage.

Payment Protection

Credit Life and Disability Insurance is a way to help protect you and your family from the financial burden of your loan payments in the event of your injury, illness, or death.

  • Helps pay loan until you’re fully recovered
  • May pay off entire loan in the event of death
  • Available on A+FCU loans

Talk with your A+FCU lending representative about adding payment protection to your loan.

 

TruStage™ Auto Insurance

Through the TruStage Auto Insurance program, you may be able to save up to $519.52* on auto insurance.

If you’re buying or refinancing your auto loan, it’s a great time to get a quote. Click the button below or call 855.483.2149.

FREE QUOTE

*Average annual savings based on countrywide survey of new customers from 1.27.14 to 1.16.15 who reported their prior insurers’ premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA.
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.