Whether you want to buy a new car or refinance your current loan, our fall promotion guarantees savings with a 1% APR discount*. Plus, if you’re considering an electric or hybrid vehicle, you can save even more!
Why Refinance with USPS FCU:
Got a Great Car but a Not-So-Great Loan?
If you love your car but feel stuck with a less-than-ideal loan, USPS FCU can help you save. Refinance with us and instantly lower your monthly payments:
- 1% APR Reduction*: We’ll beat your current rate by at least 1%.
- Extra 0.25% APR Off for Electric/Hybrid Vehicles**: Enjoy savings on eco-friendly vehicles.
- No Application Fees: Refinance without any hidden costs or upfront fees.
- 100% Financing: Refinance the total amount of your vehicle, including taxes and fees, with no out-of-pocket expenses.
Looking to Buy New?
It’s Time to Buy Your Dream Vehicle!
If you’re in the market for a new car, USPS FCU offers simple and affordable financing solutions:
- 1% APR Rate Discount*: We’ll beat another lender’s offered rate by at least 1%, whether buying new or refinancing.
- No Upfront Costs: Save from the start with no application fees or unwanted costs.
- 100% Financing: No down payment needed—we cover everything, including taxes and registration, with flexible loan terms to fit your budget.
APR Explained
When it comes to auto loans, your Annual Percentage Rate (APR) directly impacts the overall cost of your loan. The lower your APR, the less you’ll pay in interest over time, which means more savings in your pocket. USPS FCU guarantees we’ll beat your current rate by at least 1% so you can save right from the start.
Curious about how APR works? Check out our blog for more insights.
Protect Your Investment with USPS FCU
With USPS FCU, protecting your new or refinanced vehicle is simple.
We offer extra protection to ensure you’re covered in case the unexpected happens:
- GAP Coverage: Covers the difference between your car’s value and your remaining loan balance if your vehicle is totaled or stolen.
- Mechanical Breakdown Insurance (MBI): Extends your vehicle’s protection beyond the manufacturer’s warranty, helping you avoid unexpected repair costs.
Why Act Now?
Beat the Winter Rush:
Secure a reliable car and avoid winter vehicle issues before cold weather hits.
Drive New 2025 Models:
The latest 2025 models are arriving now—grab your new ride with USPS FCU’s unbeatable rates.
Save on Fuel Costs:
Finance an electric or hybrid vehicle and receive an additional 0.25% APR discount while saving money on fuel in the long run.
Family-Ready Vehicles:
Upgrade to a safe, reliable, and spacious vehicle to handle daily commutes, school runs, and weekend adventures.
Get Started Today!
Don’t wait! Whether refinancing or buying new, USPS Federal Credit Union’s 1% APR Rate Reduction and fall auto loan promotions are designed to help you save. Apply Now or contact us to find out how you can drive into fall with the best rates and incredible savings.
Apply NowYou must be a member in order to apply for a loan. Click here to find out if you are eligible for membership.
*APR=Annual Percentage Rate and is based on evaluation of applicant’s credit. Other rates and terms are available. Typical Interest Rates range from 3.00% to 18.00% APR. Promotional rates from other lenders do not qualify. Must provide verification of rate you have been offered from another financial institution. Minimum amount financed must be $10,000. Financing term must be 84 months or less. Offer does not apply to loans currently financed with USPS FCU. Rate must be for a similar product and term. Relationship Rewards program rate discounts cannot be combined with this offer. Loans subject to credit approval. Other terms and conditions may apply. Other restrictions may apply. USPS FCU reserves the right to withdraw or change this offer at any time. Recreational vehicles are excluded.
**The Electric/Hybrid auto loan .25% discount cannot be applied in combination with a “Beat the Rate” deal.