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Vehicle Loans

Loans for Your Vehicle Needs

Looking for a new ride? You’ve found the right place. We have low rates and a variety of terms on new and used cars, trucks, motorcycles, boats, watercraft, mobile homes, RVs, campers, and more. It’s easy!

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Get pre-approved auto loans for extra bargaining power before stepping inside the dealership so you can get the best possible price.

  • Quick, easy online application for pre-approval
  • Low, fixed rates on new or used vehicles*
  • Up to 100% financing for qualified buyers
  • A wide range of terms customized to your unique situation
  • Refinance your current vehicle to lower your rate
  • No pre-payment penalties
  • Convenient automatic payment option

Easy Access First-Time Car Buyer Program

Purchasing your first car can take years of preparation between saving up for a down payment and building credit. At FPCCFCU, we believe in breaking down those barriers to meet our members’ needs wherever they are in life. With our Easy Access First Time Car Buyer program, designed specifically for those between the ages of 18-25 and recent graduates, we make it possible to buy your first vehicle without prior loan history. Plus, there’s no down payment required!*

*First-time auto buyer program available to qualifying members, based on approved credit and other established requirements such as 6-month verifiable employment and meeting debt to income requirements. Qualifying members without an established credit history may qualify for a tier-2 rate. A qualified co-maker on the loan may help reduce the rate, but is not required. Applicant must be between the ages of 18 and 25, or be a recent certificate, degree, or trade school graduate, and cannot have previously financed an auto loan in their name. The loan value cannot exceed $50,000. Federally insured by NCUA.

Vehicle Protection Options

What is Guaranteed Asset Protection?

GAP is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges. GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle financed or leased with our financial institution!

How does GAP work?

The actual cash value of your vehicle as determined by your primary insurance carrier could be less than the actual balance you owe on your loan. In the event of a total loss or theft, GAP waives the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV %. GAP may also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. The deductible is covered as part of the deficiency balance settlement. Not available in NY or AK.

Loan Balance $18,000
Insurance Settlement $15,000
GAP covers $3,000

*GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.



Auto Essentials is a package of coverage that protects you from normal driving incidents and out-of-pocket expenses that aren’t typically covered by insurance policies, manufacturer’s warranties or extended warranties.

Essential Coverage:

  • Key or Remote Replacement*: Replacement of lost, stolen or destroyed keys or remotes.
  • Tire & Wheel Road Hazard Protection: Repair or replacement of punctured, cut, or flat tires and damaged wheels/rims due to road hazards or potholes. Includes cosmetic repair of wheels.
  • Paintless Dent Repair: Permanently removes door dings and minor dents without harming a vehicle’s factory finish.
  • Windshield Repair**: Repairs chips and cracks caused by propelled rocks or road hazard debris while driving on public roads, streets, and highways.

24-Hour Roadside Assistance:

  • Towing: A tow truck will be sent to your location.
  • Emergency Roadside Service: Basic mechanical repair performed at your location to get you back on the road.
  • Essential Fluids Delivery: Includes delivery of gasoline, water, or oil.
  • Flat Tire Assistance: Your flat tire will be repaired or changed with your good spare.
  • Emergency Battery Assistance: Repairs include jump-starting your dead battery.
  • Lockout Service: A locksmith will be dispatched to your location if you are accidentally locked out of your vehicle.

All descriptions are for informational purposes only. Please refer to the actual coverage agreement for specific details.

*Key or Remote Replacement not available to consumers who reside in WY
**Windshield Repair not available to consumers who reside in FL

Depreciation Protection (DPW) protects your vehicle equity and hedges against depreciation over the life of the loan. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.

Benefits of DPW:

  • Protection for collision
  • Life-of-loan Protection
  • No mileage or year restrictions
  • Protection for theft and fire
  • 100% open enrollment
  • Protection for vehicle depreciation
Protection Against Vehicle Depreciation
  Purchased at Dealership 6 mo 1 yr 3 yrs
Price of Vehicle (MSRP/Retail) $30,000 $30,000 $30,000 $30,000
Outstanding Loan Balance $28,500 $26,681 $24,469 $15,282
Depreciation Protection Waiver Benefit at Total Loss: $1,500 $3,319 $5,531 $10,000

*Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. *$10,000 Waiver Benefit applies here because waiver amount will not exceed the lesser of the maximum amount listed in the waiver addendum or outstanding loan balance at total loss. Loan Amortization Used in Example: 2.99% APR, 72-months.

Drive with the peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures. In addition to repairing your vehicle, MBP provides services such as rental car allowance, tire protection, 24/7 roadside assistance, and towing. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired. Ask us how you can drive with the proper protection against costly repairs!

Benefits of MBP:

  • $0 Deductible on Repairs
  • Total Loss Refund
  • 24/7 Roadside Assistance & Towing
  • Rental Car Allowance
  • Hybrid Battery Coverage

For more information about Mechanical Breakdown Protection, please contact a loan specialist at (260) 469-0455.


Debt protection may cancel your loan balance (up to the contract limits) or monthly loan payment without penalty or added interest due to an unexpected event. You can select the optional plan that will support your family’s financial protection needs.

Protect what matters

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. In the event of death, disability or unemployment, you wouldn’t want your family to worry about making your loan payments.

With Debt Protection, your loan balance or monthly loan payments may be canceled without penalty or added interest.

  • In the event of death, it cancels the remaining loan balance up to a maximum in the contract.
  • If you become disabled, it cancels up to a maximum number of loan payments based on the contract.
  • If you are involuntarily unemployed, it cancels up to a maximum number of loan payments based on the contract.

For more information about payment protection options please contact a loan specialist at (260) 469-0455.

You deserve peace of mind knowing that your assets are protected. Multi Vehicle Protection can cover everything in your garage with just one plan! This product can cover key fob replacements, dent damage, and more.

Enroll Now

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