Vehicle Loans

New/Used & Refinanced Vehicles

In the market for a new or used vehicle? Looking to refinance to a lower rate and/or lower your payment?

We can help make buying a new or used vehicle more affordable. click here toApply online to get pre-approved today! We will help tailor a loan to fit your budget and process your request as quickly as possible. You can enjoy:

  • click here to view ourLow rates
  • Terms up to 84 months
  • Loan amount up to $75,000
  • Up to 120% LTV (including tax, tags, title, extended warranties, gap insurance, and more)
  • click here to view ourAuto Link Car Buying Service with discount pricing opportunities to get you the best deal, plus receive a VIP discount card and more...
  • Discounts on click here to viewauto insurance
  • Low pricing on GAP (Guaranteed Auto Protection) that will cover up to 150% LTV and provide up to $1,000 towards your next vehicle purchase (Subject to certain exclusions and benefit limitations. Ask us for details when you apply.)
  • Low pricing on Vehicle Service Contracts that protect you from future vehicle repair costs - All plans include an extensive Roadside Assistance Service (Certain restrictions apply. Ask us about your plan options when you apply.)

Learn More About Vehicle Loans

Interested in a vehicle loan, but unsure or intimidated by the process?  click here toTake our Car Loans module in our Financial Education Center for resources and steps to help you with the car buying process. 

Let Us Beat Your Rate By 1% or More...

USPS FCU will beat the rate from another financial institution by at least 1% Annual Percentage Rate (APR) with a floor rate of 2.00% APR for 36 months. See terms and conditions below.*

Recreational Vehicles

Looking to buy or refinance a motorcycle, motor home, or travel trailer? We can help you with those loans too! We offer:

  • click here to view ourLow rates
  • Terms up to 84 months
  • Loan amount up to $75,000
  • 100% LTV (including tax, tags, title, and more)
  • Discounts on click here to viewauto insurance

Apply Today for a vehicle loan!

You must be a member in order to apply for a loanor be click here to find out if you are eligible for membership

*The online application is not fully functional for Samsung mobile phone users. Please use the online application from a computer. It will be available for Samsung mobile phones in the coming months. Thank you for your patience!

*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.