Get low rates, flexible terms, and personalized local service when you choose a credit union vehicle loan from Partners Financial FCU. We offer affordable auto loans and recreational loans, plus convenient refinancing options if you have an existing auto loan with another lender. We can help you buy the vehicle you want with confidence!
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Enjoy low rates on new and used vehicles with terms up to 84 months. Take advantage of our simple application process, easy online and mobile banking tools, AutoSMART car buying service, extended warranties, and GAP insurance.
Refinancing your auto loan gives you the chance to secure a better rate or change your loan term so you get a monthly payment that better suits your budget and goals. Plus, you can enjoy friendly local service!
Competitive rates and flexible terms enable you to buy a recreational vehicle that suits your lifestyle. Meanwhile, our extended warranty offers nationwide coverage for mechanical breakdowns and theft so you have peace of mind during your adventures.
Lower rates are only the beginning. When you choose Partners Financial FCU for your vehicle loan, you will also enjoy a range of special features and benefits. We aim to provide a stress–free car-buying experience with affordable monthly payments.
Buy the vehicle you want and save on interest with fixed rates starting as low as 4.24% APR*.
Choose the loan term to suit your budget with a range of options for new, near new, and older vehicles.
Our vehicle loan process is quick and easy, whether you apply online, over the phone, or in a local Richmond branch.
All loan decisions are made locally, and you can usually find out if you’re pre-approved within about 24 to 48 hours.
Manage your account and make payments anytime, anywhere, with Mobile Banking and Bill Pay.
We’ve partnered with AutoSMART to offer our members a searchable database with up-to-date local information.
Explore our GAP and Extended Warranty options so you can protect your vehicle and your loan.
“The loan officer was well educated in his field of expertise and helpful in getting me an affordable loan. I tell everyone if they’re looking for a credit union bank, to check out Partners Financial Federal Credit Union. Thank you all for your ongoing excellent service.”
– R. Rowe, Richmond, VA
What credit score do you need to get an auto loan? ⮟
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, employment history 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.
What rate will I get for my vehicle loan? ⮟
Your auto loan rate will be determined by:
Get in touch with Partners FCU today for more information about how credit works and how you can improve your score.
What vehicles can I buy with a Partners Financial FCU vehicle loan? ⮟
You can buy a wide range of new and used vehicles with a credit union auto loan, including cars, SUVs, trucks, RVs, boats, motorcycles, and more. Our loans extend to vehicles of any age and mileage. Keep in mind that newer vehicles get lower rates, and shorter loan terms.
Why should I get my auto loan pre-approved? ⮟
Auto loan pre-approval means you can show up at the dealership (or negotiate online!) with a check ready to go. The seller will take you seriously as a buyer and you won’t need to worry about how much car you can afford because you already know your budget.
Plus, you can avoid the risk of hidden fees getting rolled into the sticker price or APR
How can I figure out my ideal car payment? ⮟
You can use Partners Financial FCU’s loan calculator resource to see how a different purchase price and APR can affect your monthly payment.
When should I consider an auto loan refinance? ⮟
You may consider an auto refinance loan if:
What are the benefits of credit union vehicle loans? ⮟
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.
*APR = Annual Percentage Rate. 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.
Rates subject to change without notice.