auto and officers

Auto Loans

National Police Federal Credit Union can finance up to 100%** of your next new or used car at competitive auto loan rates and terms! Plus, we can refinance your existing auto loan up to 100%** of the current value to reduce the interest rate or payment.




















New AutoThere’s nothing like that new car smell! If you are looking to purchase a new car, you are probably seeking a low interest rate as well. National Police Federal Credit Union combines great rates and outstanding member service to make the car-buying process as economical and simple as possible for our members. 
 
  • Rates starting as low as 4.74% APR*
  • Current, previous and forthcoming year models
  • 7,500 miles or less and never been titled
  • Financing available for up to 84 months
  • Extended Warranty options available
  • Gap Coverage available
  • Life and Disability Debt Protection available
  • Qualifies toward End of Watch Loan Protection
*APR = Annual Percentage Rate. Credit restrictions apply. 
There is a $100.00 titling fee for all auto loans financed with the Credit Union. 


Used AutoPurchasing a pre-owned vehicle can be intimidating. That is why our process of securing an auto loan is as painless as possible. If you have previously financed a vehicle and received a less-than-stellar interest rate or monthly car loan payment, let us help you improve the terms. For a hassle-free, low-rate loan on your next used car, let us be YOUR backup!
 
  • Rates starting as low as 5.74% APR* 
  • Cannot be more than 10 years old or have more than 125,000 miles
  • Existing term remaining on the loan will be matched if refinancing from another lender
  • Extended Warranty options available
  • Gap Coverage available
  • Life and Disability Debt Protection available
  • Qualifies toward End of Watch Loan Protection
*APR = Annual Percentage Rate. Credit restrictions apply. 
There is a $100.00 titling fee for all auto loans financed with the Credit Union


Write Your Own Ticket®If your new car loan application is approved, we’ll schedule you for a loan application right away. You don’t need to know what vehicle you’ll be getting, because we will provide you with a “blank” check. Take your Write Your Own Ticket® check to the dealer of your choice and shop with the confidence of a cash buyer!

To be eligible for a Write Your Own Ticket® loan:

  • The financing period cannot exceed 84 months
  • You must have a credit score of 700 or above
  • The amount borrowed cannot exceed $74,999.99
  • Check can be used at any licensed dealer located in the state where vehicle will be titled
  • Qualifies toward End of Watch Loan Protection
 
*Your Write Your Own Ticket Auto Loan check can be used at any licensed dealer within 60 days of issuance. There is a $100.00 titling fee for all auto loans financed with the Credit Union. 


Boat
Sail through the hassle of purchasing or refinancing your boat with our easy and convenient application process. 
 
  • Rates starting as low as 8.49% APR*
  • You must have a credit score of 680 or above
  • Financing available for up to 84 months for new and up to 60 months for used boat loans
  • Gap Coverage available
  • Qualifies toward End of Watch Loan Protection
*APR = Annual Percentage Rate. Credit restrictions apply. 
There is a $100.00 titling fee for all auto loans financed with the Credit Union. 


Motorcycle
You’ll get to enjoy the bike of your dreams at a competitive rate and term. We offer convenient online applications, which you can complete from the comfort of your own home!
 
  • Rates starting as low as 6.99% APR* 
  • 20% down payment required for loans greater than $25,000
  • Extended Warranty options available
  • Gap Coverage available
  • Qualifies toward End of Watch Loan Protection
*APR = Annual Percentage Rate. Credit restrictions apply. 
There is a $100.00 titling fee for all auto loans financed with the Credit Union. 


RV LoansMake that cross-town road trip a dream come true with our competitive rates
 
  • Rates starting as low as 5.99% APR* 
  • You must have a credit score of 700 or above 
  • Class A, B and C vehicles only
  • Cannot be more than 15 years old or have more than 150,000 miles
  • Qualifies toward End of Watch Loan Protection
New Recreational Vehicle- 90% financing of the recreational vehicle purchase price in addition to tax, title and license fees. Vehicle invoice (must include any add-on features) to be utilized in determining value. 
Used Recreational Vehicle- 80% financing of the recreational vehicle value, in addition to tax, title and license fees. Value to be determined from NADA Guidebook. 

*APR = Annual Percentage Rate. Credit restrictions apply. 
There is a $100.00 titling fee for all auto loans financed with the Credit Union. 


















































National Police Add-on Services

Any and all vehicle prices continue to increase. At the same time, many borrowers want longer loan terms and are making smaller down payments. For these reasons it’s typical for a vehicle’s outstanding loan balance to be significantly higher than its actual cash value, especially during the first few years of the loan. If your vehicle is totaled or stolen, your insurance settlement will be based on the vehicle’s actual cash value, not the outstanding loan balance. This may create a deficiency balance or “gap.” You could be stuck paying hundreds – or even thousands – of dollars out of your own pocket to pay off the deficiency balance. 
 
Contact the credit union today to protect your vehicle or motorcycle investment with Guaranteed Asset Protection (GAP). GAP is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled).

Learn more about GAP protection with our GAP Informational Brochure.
Route 66 offers additional coverage for your vehicle, often at significant savings from dealership offered plans. We offer an extended vehicle warranty program that is typically more affordable than a dealership. 
 
Learn more about our Extended Warranty with our Route 66 Auto Coverage Informational Brochure. 
Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty, With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in the event of death or disability. 
 
Learn more about our Debt Protection with our Debt Protection Brochure.







National Police Federal Credit Union is proud to be recognized by the FOP as their Preferred Provider of Auto Loan for their members. 
representative with headset

Let’s Talk!

Contact us to assist you in securing the lowest Auto Loan or Refinance rate possible for your new or used car, we may even be able to beat your current auto loan rate at another institution! Auto loans with National Police Federal Credit Union are easy. 
 
If you would like to speak with a Sales Representative, please call: