We offer many types of loans at great rates. Check us out if you want to buy the car of your dreams, consolidate debt, repair or improve your home, need a get-away vacation, and more! We have options for all of your borrowing needs.
Call today or apply online to get started down the road to owning the new car you deserve!
GAP Insurance
GAP is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance in the event of theft or damage beyond repair. For just a few dollars a month, GAP can save you from making loan payments on a car, truck, or other vehicle that is beyond repair, or stolen and not recovered.
You can sign up for GAP when you apply for a vehicle loan, and, for your convenience, the amount can be rolled into your monthly loan payment. Call us at
804-649-2957 for more details on this great service.
Extended Warranty
ARE YOU PREPARED for a mechanical breakdown with your
vehicle?
Do you have the necessary cash
to pay for the rising cost of repairs?
If you answered no to either of these questions then a Route 66 Extended
Warranty is an intelligent investment to ensure that you are covered if a
mechanical breakdown does occur.
The
price of vehicles is consistently on the rise as well as the costs of repairing
them.
Did you know that one in three
vehicles will experience some type of mechanical failure in a given year?
According to ConsumerReports.com, “the average
three year old car has 55 problems per 100 vehicles”.
A Route 66 Extended Warranty not only protects your
investment from expensive mechanical breakdowns, but it also comes with a $0
deductible, 24/7/365 Roadside Service, rental car benefits, 30-day money back
guarantees, nationwide coverage, and is fully transferable.
The Route 66 Extended Warranty is the most
comprehensive coverage for all makes and models of automobiles so that you will
be able to enjoy your new purchase and have “peace of mind” because even the
most reliable vehicle can develop a mechanical problem at any time.
With the Route 66 Extended Warranty’s Open Enrollment you
don’t have to purchase your warranty at the time of purchase, but at any time
during the life of the vehicle.
Regardless if your vehicle is still under a manufacturer’s warranty,
Route 66 Extended Warranty has a plan that will fit your vehicle.
Since car buying is done infrequently, most consumers are not as savvy as they may be on more regular purchases, i.e. grocery shopping. And with car models always changing, new features offered, and zero % financing offers abound, we are often left not knowing how to get the best value for our money.
Car buying can be, and usually is, an emotional purchase. Either you've waited until ole betsy has driven her last mile and you absolutely have to have a new car, or you are just itching to get the latest model with all the new fun features such as heated seats, outside temperature readings on the dash, or a DVD player to keep the kids occupied.
The sales person will take advantage of that, and do everything possible to get you to "sign on the dotted line" for the sale of the car, and their expensive financing. They will ask you what you want your payment to be, they will promise that they can get the most they possibly can for your trade-in, and end up charging you tons in interest, because it can usually be difficult to qualify for the zero % financing. In the long run, you will end up paying a lot more than you need to for that piece of metal that loses value every time you turn the ignition.
Research the car you want. Know the difference between the MSRP and the Invoice price. The MSRP is the typical dealer mark up. You will also be able to investigate special rebates or financing specials the car manufacturer is running. Be aware that special rates and rebates are not all they appear to be. And then, check the dealership web-site before you go to see if the car you want is in stock. You don't want to be pressured into buying more car than you want. Lastly, get opinions from friends and family on their car purchases.
Then, give us a call at Partners Financial Federal Credit Union. We can tell you the NADA value of the car with the options you want and help you determine the best route to take on financing. We can also get you pre-approved for the loan. Then, when you walk into the dealership, you will not have to subject yourself to their financing tactics and sticker shock games, and you'll feel a whole lot better about your car purchase.
If you've already purchased your car and think you may have paid too much on the financing side, give us a call. We can refinance your loan to a new, lower rate.
PFFCU has a relationship that offers the opportunity of quality cars at affordable prices. Find certified used cars nationwide with Enterprise Car Sales' used car finder. Call 804.330.0900 in Richmond or 1.800.CAR.SALE for the nearest Enterprise location.
Personal Loans
We offer unsecured loans (loans without collateral) at great rates! Check us out if you need to consolidate debt, repair or improve your home, or need a get-away vacation. Once you have a line-of-credit established, you may receive later advances over the phone!
Put the value of your home to work for you! Take advantage of the equity in your home to build the addition your growing family needs, build a workshop for those special projects, or take that dream vacation!
With a Home Equity Loan or Line of Credit from Partners Financial Federal Credit Union, the possibilities are limited only by your imagination!
The home mortgage process can be intimidating and uncertain. Partners Financial Federal Credit Union can help make your home buying experience trouble-free and inviting. With all the decisions you have to make when buying a new home, financing shouldn't be one of them. Take the stress out of buying a home and give us a call to get started!
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
