Drive Confidently
with Connects FCU
Flexible financing, pre-approval convenience,
and protection options that safeguard your investment — all in one place.
Buying your next vehicle should be exciting, not stressful. That’s why we offer more than just competitive rates and flexible terms. We provide a full package designed to give you peace of mind from day one:
Pre-Approved Financing
Get your loan approved before you shop, so you know exactly what you can afford.
130% Financing Available
For qualified members, finance more than the car’s value to cover taxes, fees, and more.
Flexible Terms & Attractive Rates
Tailored to your budget, with low rates and convenient payment plans.
Unexpected events happen, and we’ve got you covered every step of the way with essential protection products:
GAP Coverage
If your car is totaled or stolen, GAP covers the difference between what you owe on your loan and what your insurance pays, saving you from costly out-of-pocket expenses.
Mechanical Warranty
Drive worry-free knowing major repairs and breakdowns are covered, protecting you from unexpected repair bills.
Debt Protection
In case of job loss, illness, or other unforeseen circumstances, our debt protection options help keep your loan payments covered so you can focus on what matters.
Car and Other Vehicle Loan Rates
Effective March 1, 2026| Loan Type | APR |
|---|---|
| *Auto Loans | 6.99% to 18.00% |
| Other Collateral | 8.99% to 18.00% |
Rates are determined by credit criteria including credit score, term, amount financed, loan to value of collateral, mileage and other factors.
Getting started is simple:
- Apply Online, By Phone, or In-Person – Choose what’s easiest for you.
- Get Pre-Approved Quickly – Know your budget before stepping foot on the lot.
- Select Your Vehicle – Shop with confidence, knowing your financing and protection are in place.
- Drive Away Protected – Enjoy peace of mind with GAP, warranty, and debt protection options bundled with your loan.
Financing subject to credit approval. GAP, Warranty, and Debt Protection products are optional and subject to terms and conditions.