Auto Loans With Partners Financial FCU in Richmond, VA

You’ve come to the right place for your auto loan. Whether you need a loan for a new or used vehicle, or to refinance an existing auto loan, Partners Financial FCU will help you get there faster and with more money left in your pocket.

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Partners Financial FCU Auto Loan Benefits 

With Partners Financial FCU, you’ll always get low rates, exceptional local service, and terms up to 84-months to fit your needs and lifestyle. Get pre-approved today and make buying your next vehicle a breeze. See the many benefits of financing with us and then apply online.

  • Low Interest Rates
    Save money financing with Partners Financial FCU. With fixed rates starting as low as 2.24%*, you can secure the vehicle you want without paying too much.
  • Quick and Easy Application Process
    We know you’re busy, so our application and loan process is always hassle-free. All loan decisions are made inside one of our local Richmond branches, and approvals are usually as fast as 24 – 48 hours.
  • Flexible Repayment Options
    Not only can you qualify for low-interest rates, but our loan term options go up to 84 months, ensuring you’ll get the perfect monthly payment to fit your budget.
  • 24/7 Account Access
    Manage your account- anytime, anywhere, with Mobile Banking and Bill Pay.
  • Outstanding Local Service
    With four branches throughout the Richmond area, we’re always here to help you when you need it.
  • Car Buying Service
    With AutoSMART, we’re able to offer our members a searchable database that provides up-to-date information on available vehicles at local Richmond and surrounding area dealerships. Searching within this portal allows you to find the right vehicle for the right price.
  • Additional Coverage Options
    We want to ensure you’re covered in the event of an accident or breakdown, so we offer GAP and Extended Warranty options so you can protect your investment.

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Auto Loan Resources

Purchasing a car or truck is a major decision, but we’re here to help you every step of the way. Our auto loan resources are available to make the auto financing process easier.

  • Auto Loan Calculator
    Use our auto loan calculator to help you calculate a monthly loan amount based on your principal loan amount, loan term, and interest rate. Along with your monthly payment, you can also get a loan amortization schedule detailing how much of each payment goes toward your principal balance versus your interest.
  • Auto Loan Rates
    You can view our auto loan rates to give you an idea of what your interest rate might be based on the model year of your vehicle.
  • How Much Car Can I Afford Calculator
    It’s important to know how much car you can afford. Use this helpful calculator to give you an idea based on several essential factors.
  • Rebate or Low-Cost Financing Calculator
    When purchasing a car or truck, you might be faced with deciding whether you should go with financing that offers a rebate or overall low cost. Use this calculator to determine which makes the most financial sense for you.

Frequently Asked Questions About Auto Loans

What kind of credit score do you need to buy a car?

While your credit score is part of the application, it is not the only or most important factor in our decision. We also look at your income, other debts, and the amount you want to borrow. In general, the higher your score, the greater your chance of approval. But we work with members with all credit scores to help them get financed.

Is it better to get a car loan from the credit union?

Credit unions are member-owned not-for-profit financial institutions, so they pass on their profits to their members through lower rates and fewer fees. That alone means you’ll save money by financing through a credit union. But there are other benefits too.

Credit unions are known for their outstanding local service and commitment to their community. Loan decisions are made locally and not by an impersonal algorithm, so you’ll have a much more personable experience. And credit union members enjoy special benefits that aren’t usually offered by the bigger banks.

Should you apply for a car loan before going to a dealer?

Getting pre-approved for an auto loan allows you to have more control over the car buying process. Dealers will know you’re a serious buyer, so they’re often more ready to work with you to help you find a car.

Also, since dealerships tend to offer some of the highest interest rates, you’ll likely save money when getting your auto financing through the credit union. You can get a pre-approval from the credit union before going to the dealer; however, we have relationships with most local dealers so you can shop and finance with us without leaving the dealership.

Choose Partners Financial For Auto Loan

At Partners Financial, we are proud to offer you trusted customer service and outstanding products to help you achieve your financial goals.

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*The Annual Percentage Rate (APR), amount financed and loan term may vary depending upon your creditworthiness. Terms and amount loaned on vehicles is based on member’s overall financial profile, collateral loan/value and credit history. Please ask a loan officer for detailed information. Maximum discounts do not apply to share secured and preferred line loans.

Rates subject to change without notice.

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).