Car, Boat, Motorcycle, and Other Vehicle Loans

Car, Truck, Boat, Motorcycle, or RV

If we can’t beat your current or offered rate by at least 0.50% APR, we’ll give you a $100 VISA Gift Card.^*

• Call or apply online – You’ll get a fast decision.
• Provide the name, address, and current statement from the financial institution where the vehicle loan is currently held
• A copy of your most recent pay stub

Apply Now!

* Applicant must provide verification of the rate you have been offered by another financial institution to be qualified for a gift card. Rates will be based on the evaluation of the applicant’s credit. The information contained in this offer is deemed to be accurate at the time of publishing. Offer valid through December 31, 2024. Velocity Community Credit Union will beat the rate from another financial institution by at least 0.50% Annual Percentage Rate (APR) with a floor rate of 5.00% APR. Promotional rates do not qualify. The minimum amount financed must be $7,500. The financing term must be 72 months or less, OR the remaining term, whichever is greater. Offer does not apply to vehicle loans currently financed with Velocity Community CU. Rate must be for a similar product and term. Loans subject to credit approval; not everyone will qualify.

If we approve you for credit but are unable to beat your rate by at least 0.50% APR, you will receive a $100 VISA® gift card. Allow 3-4 weeks from the date of the loan application to receive your gift card. Offer subject to change without notice. Other terms and conditions may apply. Other restrictions may apply. One promotional bonus per vehicle loan, including other offers.

Shopping around for your first auto loan? Our First-Time Auto Buyer Program helps young adults get into the car they want at a great rate.*

Buyer Requirements:

• Complete the Interactive course “Coffee Break Finance: Buying A Car” on Kofetime.com, pass the quiz with an 80% or higher, and provide the certificate
• Show proof of insurance
• Provide two references
• Be employed for at least a year

Loan Terms:

• $500 minimum down payment
• $5,000 minimum loan amount
• $25,000 maximum loan amount
• 72-month maximum term
• 90% of MSRP/NADA on new autos
• 90% of NADA on used autos

Apply Now

* Vehicle Loans subject to approval. Other terms, conditions, and restrictions may apply. APR=Annual Percentage Rate. Down payment will be required. Value for used vehicles will be determined by NADA. Eligibility for the lowest rate is subject to the ability to repay, creditworthiness, risk score, and terms of the loan. Older make vehicles may not be eligible for longer terms. In-house refinances are excluded. Offer subject to change without notice. Other terms, conditions, and restrictions may apply.

When was the last time you absolutely knew you got a great deal? Probably never! That’s why you have access to the professional car buying services of AutoAdvisors, a No-Cost Member Benefit, courtesy of Velocity Community Credit Union!

With AutoAdvisors, you’ll:

• Earn a Special AutoAdvisor rate discount: 0.25% APR off your approved rate^*
• Save time at the dealership as our advisors get you into your perfect car
• Get an outstanding trade-in value good for 7 Days
• Receive GAP & Extended Warranties up to 50% less compared to dealerships

Before you go “shop”, check with AutoAdvisors and save!

Contact AutoAdvisor, Andy Carpiuc, at (561) 625-2412, (800) 929-8971, or [email protected].

* Discount applied to your approved auto loan rate from your credit union. Restrictions apply. Contact credit union for complete details. AutoAdvisors receives a transactional fee from the dealer not dependent on dealer profit.

If you are pre-approved for an auto loan with Velocity Community Credit Union, you may be qualified to use an Express Draft^* at the dealership. Shop at your leisure and use the draft to purchase your car when you are ready. After we receive the executed Express Draft back from the dealership, the processing of your loan will be completed.

• Available for new autos and used autos that are 5 years old or newer
• Drafts are available for amounts between $5,000 and $75,000, depending on your pre-approval

Apply for Pre-Approval Now!

* Not everyone will qualify for pre-approval or Express Draft option. Offer is available subject to credit approval. Only available to members living in and dealerships doing business in the State of Florida.  Down payment may be required. Value for used vehicles will be determined by NADA. Drafts are good for 60 days from issuance. Other terms, conditions, and restrictions may apply.

Protect Your Investment!

Protect Your Loan!