Vehicle Loans

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New & Used Car and Truck Purchase, or Vehicle Refinancing
Motorcycles, ATV, Boat, Personal Watercraft, or RVs

  • Loans subject to credit approval.
  • Get 100% financing on new vehicles plus tax, tag, title and extended warranty insurance.
  • Used vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value at competitive rates.
  • Refinancing for vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options, at competitive rates.
  • There are no prepayment penalties.

New Cars & Trucks (4) (6) (7) (8)

Used Cars & Trucks (4) (6) (7) (8)



Better than a Lease Loan (4) (6) (7) (8)

Get a free CarFax when you apply and finance your Used Vehicle Loan or Used Vehicle Better Than a Lease loan with us!

Get the lower payment benefits of a lease and own your vehicle too.

Our "Better Than a Lease Loan" offers tremendous advantages over a typical leasing program.

  • You own the vehicle!
  • No down payment is required
  • No sales tax liability on the payment as with a lease payment
  • No mileage overage or disposition fees charged at the end of the term
  • No cap reduction, bank or miscellaneous fees that come with leasing
  • Financing is available for current model year vehicles plus vehicles through 2010 model years.
  • Get up to 100% financing plus tax, tag, title, Acquisition Fee, GAP coverage and extended warranty insurance (13)

Apply online 24/7 by selecting “Better than a lease loan” from the “type of loan you are looking for” drop-down menu under the Apply for a vehicle loan option. Loans are subject to credit approval.

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Motorcycles & ATVs (4) (6) (7) (8)

*Terms greater than 60 months are available only for New Motorcycles.

Classic Cars *(4) (6) (7) (8)

*Classic cars as defined by NADA guidelines.

Boats and Personal Watercraft (4) (6) (7) (8)

*Terms greater than 84 months are available only for New Boats. Maximum term for Watercrafts is 60 months. 

Recreational Vehicles (4) (6) (7) (8)

*Terms greater than 60 months are available only for New Recreational Vehicles.
 
 

(4) Annual Percentage Rate (APR) remains fixed for the term of the loan.

(6)
  • New Vehicles: Get up to 100% financing plus tax, tag, title and extended warranty insurance.
  • Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value.
  • Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 100% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.
  • New Boats & Personal Watercraft: Up to 100% financing is available for any personal watercraft. Up to 100% financing available on any new vessel that is longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
  • Used Boats & Personal Watercraft: Financing is available up to100% of NADA retail value adjusted for optional equipment. Financing is available for personal watercraft, or for vessels longer than 12 feet, but less than 27 feet that has either inboard/outboard or attached propulsion and has a title that is recorded with their state division of motor vehicles.
  • New Motorcycle & ATV: Financing up to 100% of invoice is available. New motorcycle financing is available for any current or prior model year motor cycle that has never been titled.
  • Used Motorcycle & ATV: Financing is available up to100% of NADA retail value adjusted for motorcycle/ATV options. Financing is available for any used current model year vehicles plus vehicles of the five (5) prior model years.
  • New Recreational Vehicles: New recreational vehicle financing is available for any current or prior model year vehicle that has never been titled, or any current or prior year “demonstrator” vehicle with less than 5,000 miles on its odometer. Financing is available up to 80% of purchase price (excluding registration fees, sales tax and warranty coverage).
  • Used Recreational Vehicles: Financing is available up to100% of NADA retail value adjusted for mileage and vehicle options. Used vehicle financing is available for any current model year used vehicle plus vehicles of the six prior model years.
  • Classic Cars: A classic car is any car that is at least 20 model years old. Financing is available up to 100% of the lower value of NADA and Kelly Blue Book vehicle would be in good condition overall. It could be an older restoration or a well-maintained original car and is completely operable. The exterior paint, trim and mechanics are presentable and serviceable inside and out.
(7)The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.
(8) Loans and Lines are not available in Puerto Rico.
(13) Payment examples are calculated at the lowest Annual Percentage Rate (APR) for 48 months based on individual credit circumstances for each qualified applicant, and includes a .30% reduction in rate based on your account services with the credit union. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either 1- existing checking acct with minimum monthly Direct Deposit of $500.00 , 2-FRFCU debit card with minimum 5 transactions in previous month, 3- Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. Monthly and Total Payment Savings is the difference between our “Better Than a Lease Loan” program and regular New Vehicle Loan program. Financing is available for current model year vehicles plus vehicles through 2010 model years. There is a one-time Acquisition Fee of $195 due at closing and the Credit Union’s Guaranteed Asset Protection (GAP) coverage costing $299 is also required to be purchased. Terms available from 12 to 48 months. Get up to 100% financing plus tax, tag, title, Acquisition Fee, GAP coverage and extended warranty insurance. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Rates are subject to change without notice. Loans are not available in Puerto Rico.