Auto Loans

705 Auto Loans!

Purchasing a new automobile can come with so many choices. 705 Federal Credit Union knows that all of the options can become very overwhelming…that’s why we’re here to help you out! Contact your CU loan representatives to find out if you are making the best deal possible.

We offer competitive financing rates and terms, along with very affordable GAP protection! Plus, 705 FCU should always be your first choice because borrowing with your own Credit Union puts money right back into your pocket in the form of dividends!

Check out our rates below on both New and Used Automobile Loans. As always, feel free to contact us if you need any assistance. We’re always glad to help our wonderful members make great decisions!


New Auto Loan Details
Loan Attribute Detail
*Maximum Amount Financed 100% available
Terms 36, 48, 60, 72*, an 84* Months
Minimum Loan Amount For 72 months loans, the minimum amount financed is $25,000.00 with 100% Financing.
For 84 month loans, the minimum loan amount is $40,000.00. (This amount may go lower if the total price of the automobile is higher due to down payment or trade in which lowers the total amount due.)
What is considered “new”? Any vehicle that is a current, future or 1 year old model with less than 30,000 miles is considered “new” and would fall under the new vehicle financing guidelines.


Pre-Owned Auto Details (Rates are the same up to 10 years.)
Loan Attribute Detail
Prices of Vehicles equals the terms of the loan.
(All that changes is that we go to the dollar
amount now to determine the term of financing.)
Up to $5,000.00 36 months
Up to $10,000.00 48 months
Up to $15,000.00 60 months
Up to $25,000.00 72 months


11 – 15 Year Old Vehicles (Rates are the same for vehicles 11 to 15 years old.)
Loan Attribute Details
*Maximum Amount Financed 80% Automobile Purchase Price Guide retail value including: TT&L, Warranty, Gap Insurance, and GPS in vehicle.
Terms 48 Month Financing for pre-owned vehicles 11 – 15 years old.
Maximum Loan Amount $15,000


Find a Car

Automobile Purchase Price Guide

GAP Protection

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