Find answers to our Frequently Asked Questions.

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 2.99% $29.08 per $1,000 per month for 36 months
37-66 months As low as 3.24% $16.56 per $1,000 per month for 66 months
67-75 months As low as 3.49% $14.86 per $1,000 per month for 75 months
76-84 months As low as 3.74% $13.55 per $1,000 per month for 84 months

APPLY

*APR=Annual Percentage Rate.
Membership required. Associations and business accounts are not eligible. Normal lending criteria apply. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. As low as rate 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. Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%. Add 1.00% to the above rates if vehicle has 100,000 miles or more. We are not currently doing loans for private party sales (as of 7.20.2020). Rates as of 2.2.2021.

Hit the road with a lower rate.

Take advantage of savings when you refinance your vehicle with A+FCU.

We can beat your current auto loan rate by 1.00% APR* or more – plus, enjoy:

  • 90 days with no payments
  • Use PlusPoints to reduce APR* by 0.25% or 0.50%

Use our Auto Refinance Interest Savings calculator to see how much you could save.

Click the button below, schedule an appointment at any A+FCU location, or call us at 512.302.6800 to apply today.

APPLY

*APR=Annual Percentage Rate.
Interest accrues from date of loan disbursement.
Membership required. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Minimum loan amount of $10,000. Lowest rate available is 2.99% APR with automatic payments. Rates may increase if automatic payment is cancelled. PlusPoints can be used to lower rate, but cannot be used to lower rate beyond 2.99% APR. Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%. Normal lending criteria apply. All loans subject to credit approval. Program, rates, terms, and conditions are subject to change without notice. Offer and floor rate expires 4.30.2021.
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 $586* 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

*Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual. Savings may vary. Comparison does 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.