As a credit union, when you finance with us, you’re supporting local initiatives and helping to strengthen our community. You are not just a customer or transaction—you are a member. We prioritize your needs and work hard to provide the best possible service to help you every step of the decision. Whether you’re looking to buy your first car, upgrade to something new, or refinance your current vehicle, our team is here to help make it happen**.

Why Finance with Us?

• Flexible Terms: We offer a variety of financing plans to fit your budget and lifestyle.
• Competitive Rates: Enjoy low-interest rates and affordable monthly payments.
• Quick Decision: Our streamlined process ensures you get approved fast, so you can get your car, minivan, truck, or sports car faster.
• Expert Guidance: Our friendly finance experts are here to answer all your questions and guide you through every step.

How It Works

• Get Started: Shop and find your perfect new or used car – or you need to refinance your current vehicle.
• Apply Online: Fill out our simple online application.
• Get Approved: Our team will review your application and get back to you with the best financing options.
• Drive Away Happy: We handle your financing and you drive off in your new ride!

New Auto Loan Rates²

Used Auto Loan Rates

Questions? Get in Touch!         Get Started Today!

*$150 Offer Available for New, Used & Refinanced Auto Loans. $150.00 will be deposited into your FRFCU Regular Savings Account within 30 days of loan closing. $150 offer is only available for loan amounts of $10,000.00 or more, and for automobiles not already financed with FRFCU. Promotion effective starting 1/1/2025 and can end at any time. Certain restrictions and minimum loan amounts may apply.

**Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval. Membership eligibility required. Federally Insured by NCUA.

Used Vehicles: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value.

Vehicle Refinancing: Loans are granted on vehicles no more than nine (9) years old get up to 130% of the NADA or Kelly Blue Book retail value, adjusted for mileage and vehicle options.

(1) APR = Annual Percentage Rate. APR remains fixed for the term of the loan.

(2) New Vehicles: Get up to 130% financing plus tax, tag, title and extended warranty insurance.

(3) The Annual Percentage Rate (APR) quoted is the lowest available rate based on individual credit circumstances for each qualified applicant and includes a .30% reduction in rate based on your account services with the credit union. Not all applicants will qualify for the lowest rate. Discounted rate example includes a discount of .10% for an active checking account (active checking account requires either (A) existing checking acct with minimum monthly Direct Deposit of $500.00, (B) FRFCU cash card with minimum 5 transactions in previous month, (C) Active Bill Pay Account); 0.10% for an existing consumer loan (excludes Credit Builder and Personal Lines of Credit); 0.10% for a FRFCU Mortgage or Investment Account. If no qualifying relationship add .30% to the stated rate. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Loans are subject to credit approval.

Loans and Lines of Credit are not available in Puerto Rico.

Rates are subject to change without notice.