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Auto Loans



Financial Plus Auto Loans:
90 days. No payment.

Ready to ride into summer in a new car or truck? Enjoy 90 days of no payments* for a stress-free season filled with road trips, beach outings, and all your summer adventures. Whether you're in the market for a new or used vehicle from a dealer or your neighbor, you can apply for pre-approval in minutes.

Act fast! Offer expires August 31st.


Get 1% off your next loan rate:

  • As low as 6.79% APR** when you apply for an auto loan and enroll in direct deposit and auto pay

What you get with an auto loan:

  • Flexible terms for affordable payments
  • Easy online pre-approval in minutes
  • Refinance options to save you money
  • Confidence knowing your budget before you shop
As of October 1st 2023, it is mandatory that all titles with a lien recorded must be electronic. This reduces costs, fraud, and increases efficiency. View Michigan Electronic Title FAQ > 
 
 

Submit your auto loan application:

  • Apply online by clicking the button below
  • Stop into any of our locations and chat with a representative

Or, get started in less than 60 seconds:

Current members: You may have a pre-approval waiting!
Check to see if you have a pre-approval available by logging into digital banking online or on the MyFPCU mobile app and selecting "My Offers" on the dashboard. 
 


Buying your first car? Check out our First Time Auto Buyer Program:
Take the wheel with our First Time Auto Buyer Program and make your dream of purchasing a car a reality. If you have limited credit, don't worry - you may still be able to finance an auto loan with us. Our experts guide you every step of the way, no matter what path you're on, and make the car-buying process smooth and hassle-free. 
 
  • Get up to $150 cash back after making your first payment^
  • Discounted loan rates** just for being a member
  • Assists young adults 18+ purchase their first car and establish credit history
  • Flexible terms for affordable payments
  • Easy online pre-approval in minutes

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GAP Insurance
 Protection that pays the remaining difference between your vehicle value and balance still owed.

Learn More

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Discounted Loan Rates
Save money on your payment just for being a loyal member.

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Tell your Friends. Get $50! 
You'll both receive $50 when you refer a friend or family member.

Start Referring

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Easy Payment Options
Take care of your bills automatically with recurring or one time payments.

Explore Options





How to get approved for an auto loan:

  1. Apply online. We make it easy to apply for your new loan online. We may ask you for your social security number, proof of address, income, and proof of income, so be sure to have those documents ready. 
  2. We’ll review your credit. Once we receive your application, we will review your credit and determine whether or not we can approve your loan and for how much. Your interest rate will depend on your credit history and other factors. 
  3. Step into your new vehicle. We can quickly turn around loan approvals allowing you to drive off in your new car as soon as possible.


How much are our car loan rates?

At Financial Plus Credit Union, our low rates allow you to afford more features with lower monthly payments. Use our handy loan calculator to see how much you could save on auto finance. 

View Rates     Calculate Payment


Why choose Financial Plus Credit Union?

At Financial Plus Credit Union, we make it easy to get auto and home loans at some of the best rates in the industry. Once we do, we make it easy for you to manage these loans online and even offer money if you refer a friend. Contact us today to see why we are one of the top online credit unions. 


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Easily manage your loan

Sign up for digital banking in minutes online or at any branch location and download the mobile app to take us wherever you go.
 

















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Our Free Checking account features all of the basics you’ll need!

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*Offer to defer payment for up to 90 days is subject to approval. Interest begins to accrue at the time of disbursement and will be amortized over the life of the loan. Restrictions apply. Not valid on current loans. Expires 8/31/2024. See Credit Union for complete details.
**APR=Annual Percentage Rate. Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, Greenlight Loan, mortgage, home equity, and commercial loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00.
^Direct deposit and auto pay required to receive $150 incentive. Incentive will be deposited within 7 business days of meeting requirement. Subject to 1099-INT. Cannot be combined with any other offer. Restrictions apply. See Credit Union for complete details.

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