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.
Disclosures:
See lender for all details and disclosures for applicable rates and fees. Subject to credit approval and membership eligibility. New Money and loan minimum of $15,000 to qualify for promotional cash back. Purchase auto loans only, 2021 or newer model year. Requires automatic payment setup at loan closing. Auto loan must fund during the promotional period. Programs, terms and conditions are subject to change without notice. Loans of $15,000 – $34,999 will receive a $200 cash back credit. Loans of $35,000 or more will receive a $350 cash back credit. Cash back will be deposited in FPFCU savings account approximately 90 days after loan funding. Loan must be active and current (not past due) at 90 days to receive cash back. Loans paid off prior to 90 days will not receive cash back. Cash back may be considered income and reported on a 1099 INT.
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 |
|---|---|---|
| 2025 to New | Up to 60 months | 6.00% |
| 61-72 months | 6.50% | |
| 73-84 months | 7.00% | |
| 2023 to 2024 | Up to 60 months | 6.50% |
| 61-72 months | 7.00% | |
| 73-84 months | 7.50% | |
| 2021 to 2022 | Up to 60 months | 7.25% |
| 61-72 months | 7.75% | |
| 73-84 months | 8.25% | |
| 2017 to 2020 | Up to 60 months | 8.25% |
| 61-72 months | 8.75% |
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 |
|---|---|---|
| 2017 to New | Up to 84 months | 9.00% |
| 85-144 months | 10.00% | |
| 2007 to 2016 | Up to 84 months | 11.25% |
| 85-144 months | 12.25% |
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.
