New auto loans

  • Apply online for a Five Star FCU pre-approved auto loan. Our loan officer will let you know what you qualify for and will issue a sight draft for loan financing.
  • New car loans are available in 36, 48, 60 and 72 month terms.
  • Financing for 73-84 months is available for some vehicles; ask for details.
  • Auto loan rates are available for 100% financing.
  • When you opt for automatic loan payment, receive a 0.25% APR* rate discount.
  • From 7/1/22 through 9/30/22, when you purchase a vehicle through our True Car Car Buying Service website, get a 0.25% APR* rate discount.
  • Buying an electric vehicle or hybrid car? Ask about our Green Loan program with a 1.99% Annual Percentage Rate (available for loans settled through 10/31/22); learn more here.

Used auto loans

  • Based on the retail book value of the car; vehicles must be seven years old or newer.
  • Repayment terms are available for 48, 60 and 72 month terms.
  • Financing for 73-84 months is available for some vehicles; ask for details.
  • When you opt for automatic loan payment, receive a 0.25% APR* rate discount.
  • From 7/1/22 through 9/30/22, when you purchase a vehicle through our True Car Car Buying Service website, get a 0.25% APR* rate discount.
  • Ask about our Green Loan program with a 1.99% Annual Percentage Rate (available for loans settled by 10/31/22) when purchasing an electric vehicle or hybrid car; learn more here.

Other Vehicle Loans

We also offer low-rate loans for ATVs, boats, motorcycles and recreational vehicles (RVs); ask for details or visit our rates page for current rates.

New Car Loan Rates

Information effective September 1, 2022.
100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance.
TermAPR* as low as
up to 60 months3.24%**
61 - 72 months3.49%**
73 - 84 months4.24%**
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.

Used Car Loan Rates

Information effective September 1, 2022.
Amount financed will be the lesser of the purchase price or NADA retail value, plus taxes, tags, warranties and credit insurance.
TermAPR* as low as
up to 60 months3.49%**
61 - 72 months3.74%**
73 - 84 months4.49%**
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Rate shown above includes 0.25% APR* automatic payment discount.

Apply online for your pre-approved auto loan to see what you can afford for your next vehicle.

Apply online

Selecting your car and options

Buy a used car online with Carvana

If you don't like buying a used car at a dealership or through a private sale, Carvana may be right for you! Carvana offers no-haggle, no-touch purchasing from a huge inventory. Discover the convenience and security of a completely hands-free used car buying experience, with a 7-day money back guarantee to make sure you're happy with your purchase.

Shop Carvana

TrueCar Car Buying Service

Our TrueCar Car Buying Service shows you what others paid, so you can compare! Build your ideal new car or browse used cars online. Choose the TrueCar dealers you prefer to work with and provide your contact information to get pricing. From 7/1/22 through 9/30/22, when you purchase a vehicle through our True Car Car Buying Service website, get a 0.25% APR* rate discount.

Get started with TrueCar

Vehicle Insurance Options

Auto Exam Warranty

This coverage offers affordable extended auto service contracts to protect your car from many expensive repair costs. For pricing and more details, call 1-800-709-5792 or visit the Auto Exam website.

Credit Life Insurance

We offer low-cost group-rate credit life insurance for extra protection on your loan; the cost is included in your loan payment.

Guaranteed Asset Protection (GAP)

If your car is totaled in an accident, GAP insurance pays the difference between your regular insurance payout and the balance owed on your auto loan. Our loan officer can provide more information.

TruStage Auto Insurance

Five Star Federal Credit Union has partnered with TruStage Insurance for many types of coverage, including vehicle insurance.

Loans are available for members in good standing; approval is based on credit history and debt-to-income ratio.