Auto Loans
Enjoy the flexibility that comes with working with Four Points Federal Credit Union on your next vehicle purchase. We offer competitive financing for cars, SUVs, trucks, recreational vehicles, and more. Take advantage of our flexible terms and choose a loan payoff schedule that fits your timeline and budget.
Start the process today and get on the road faster.
Apply for auto loan pre-approval.
You can start the process online or talk to one of our auto loan specialists in person or on the phone. Four Points Federal Credit Union offers our low auto loan rates, friendly service, and fast approval process that can help get you the vehicle you need to get you everywhere you want to go.
- Financing for car loans, truck loans, and SUV loans available, for new and used vehicles
- Loans for recreational vehicles including boats, motorcycles, campers, RVs, and ATVs also available
- Save on monthly payments with our refinancing options
- Easy online application
- Hassle-free monthly payments online and through our mobile app.
Auto Secured
All rates stated below as the Annual Percentage Rate (APY)
Fixed Rate Instalment Loans
| Vehicle Age | Term | As Low As |
|---|---|---|
| 2023 to New | Up to 60 months | 6.25% |
| 61-72 months | 6.75% | |
| 73-84 months | 7.25% | |
| 2021 to 2022 | Up to 60 months | 6.75% |
| 61-72 months | 7.25% | |
| 73-84 months | 7.75% | |
| 2019 to 2020 | Up to 60 months | 7.50% |
| 61-72 months | 8.00% | |
| 73-84 months | 8.50% | |
| 2015 to 2018 | Up to 60 months | 8.50% |
| 61-72 months | 9.00% |
Disclosures:
Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secured (non real estate), and personal installment loans only. Maximum Auto Secured mileage is 150,000 miles and model years shown above. Vehicles exceeding this mileage or older model years are priced at Four Points Federal Credit Union current personal loan rates. If personal loan rate is assigned, other high LTV adjustments – if applicable – are not applied
Motorcycles, Camper/RV, Boat, ATV, UTV
All rates stated below as the Annual Percentage Rate (APY)
Fixed Rate Instalment Loans
| Vehicle Age | Term | As Low As |
|---|---|---|
| 2014 to New | Up to 84 months | 9.25% |
| 85-144 months | 10.25% | |
| 2004 to 2012 | Up to 84 months | 11.50% |
| 85-144 months | 12.50% |
Disclosures:
Maximum term on Motorcycles, ATVs, and UTVs regardless of loan amount is 84 months. Subject to credit approval. Rates based on creditworthiness. Discounts available on auto, other secures (non real estate), and personal installment loans only.
Hit a financial speed bump? It happens.
Sometimes life throws us a curve ball. Unforeseen events like severe medical emergencies, job loss, or a worldwide pandemic can decimate even the most prepared and robust savings funds.
Don’t think that taking a hit to your credit by missing payments is the only option. If you’re having trouble making payments on your Four Points FCU auto loan, we have repayment options available such as our Skip-A-Pay program or shifting payment dates.
Skip-A-Pay
For a small fee, skip your next auto or personal loan payment.
