Auto Loans
Auto rates as low as *!
Enjoy The Ride With Our Auto Loans
At St. Cloud FCU, we understand that everyone’s auto loan needs differ. This is why we offer a variety of auto loans to suit your specific needs. Our auto loans come with:
Up to 125% financing
THE best rates in the industry
THE most flexible terms in the industry
YOU pick your payment
YOU pick your term
Auto Loans for New And Used Cars!
Whether you are looking to buy a brand-new car or a used car as your new set of wheels, St. Cloud FCU is here to fund it all. St. Cloud FCU offers up to 125% financing on your new or used car AND gives you the most flexible terms in the industry! Buying a car has never been easier than with St. Cloud FCU.
Get Pre-Approved With Us!
St. Cloud FCU provides hassle-free pre-approval so that you can shop confidently at any dealer! Make your life easier and get pre-approved for your next auto loan and buy the car of your dreams!
Even if you go to a dealership first, St. Cloud FCU is still here to help! All you need to do for an auto loan with us is to be a member and let your dealership know you want to work with us!
Refinance Your Auto Loan
If you have an existing auto loan from somewhere else…We forgive you! St. Cloud FCU can offer you better rates and better service! Lower your monthly payments and reduce the total amount of interest you pay on your existing auto loan with us!
Save Money With St. Cloud FCU
At St. Cloud FCU, we offer payment saver auto loans that allow you to own your new vehicle while also making lower than conventional payments! You pick the term of your agreement and your mileage limit, with no downpayment needed!
We offer 24-72 month financing on our payment saver auto loans. Both new and used vehicles are eligible for these auto loans. Say goodbye to “surprise” payment amount changes; with our payment saver plan, you always know what you’re paying.
New & Used vehicles eligible
No down payment Required
No Security Deposit Required
No First and Last Payment Required
No “Surprises”- Always know what you’re paying for
Better mileage options on 12, 15, & 18,000/year & only .10/mile
No Early Payoff Penalty-Since you own it you can.. sell, trade it in or pay it off
Local Return Option-Moved during your term? No problem you can return your vehicle to a dealership near you at the end of your term
What are my options at the end of or during term agreement?
- You can sell the vehicle and pay off the residual value, the rest is yours!
- Use the vehicle as a trade-in
- Keep the vehicle and refinance the remaining balance
- Return the vehicle at loan end
Dealerships that use our Payment Saver Program:
- Gilleland Chevrolet
- Luther Honda
- Hyundai
- Miller Auto Plaza
- Tenvoorde Ford
Always Be Prepared
Life is full of unexpected surprises! You never know what is going to happen next, which is why St. Cloud FCU wants to make sure you are protected!
St. Cloud FCU offers both GAP and debt protection to ensure you are covered in case any accidents occur! Protect your vehicle with one of our affordable warranties, and always be prepared!
Guaranteed Asset Protection (GAP)
GAP is an optional insurance policy that can help you cover the difference between the actual cash value of your vehicle and the amount you owe on your auto loan. GAP insurance also covers the difference between the insurance payout and the outstanding balance on your auto loan in the event of an accident.
St. Cloud FCU offers GAP insurance as an optional add-on with your auto loan. With our GAP insurance, you can have peace of mind that you are covered. Our GAP insurance also offers an auto deductible to reimburse you in the event of an accident!
Debt Protection
Another way you can be prepared with your auto loan is with our debt protection services. Debt protection is a financial service from St. Cloud FCU that provides a safety net for you and your family in the event you are unable to make your loan payment due to unforeseen events.
Give yourself some peace of mind with our debt protection services. At St. Cloud FCU, we are here to help you protect your dreams and safeguard your family from financial hardship for just pennies a day.
Auto Loan Rates
We have the best rates in town – check it out!
Own a Vehicle Without a Loan?
Using your vehicle as collateral is often one of the cheapest ways to borrow money for things like:
Buying a boat
Paying off high-interest-rate debt
Building a deck
Auto Loan Pre-Approval
Shop with confidence, knowing exactly how much you can spend when shopping for your new ride! Our auto loan pre-approvals are here to help you shop with confidence, know your creditworthiness before shopping, and help you negotiate better.
Submitting Proof of Insurance
I received a letter requesting a current copy of my insurance. How do I provide that to you?
For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:
- Use the Reference ID on your letter to access your account on www.myinsuranceinfo.com. You should have your insurance policy on hand when you visit the insurance verification website.
- Drop off or mail a copy of your insurance policy meeting the required conditions to your local branch.
What is required and acceptable as evidence of insurance?
For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:
- List St. Cloud Financial Credit Union as Lienholder or Loss Payee
- Must include Comprehensive Coverage
- Must include Collision Coverage