Car, Boat, Motorcycle, and Other Vehicle Loans

Why finance with Velocity Community Credit Union?

Because we love to make loans! We will do everything we can to help you get into the vehicle you want.

  • Easy to apply online, easy to close with electronic signatures
  • Up to 125% financing on autos
  • No application fees, no pre-payment penalties
  • Low, fixed rates & flexible terms to fit your budget
  • Payment Protection Plans

We can save you time and money! See how:

“Beat Your Rate” Guarantee

Car, Truck, Boat, Motorcycle, or RV – If we can’t beat your current or offered rate by at least 0.50% APR, we’ll give you a $100 VISA Gift Card.*

  • Call or apply online – You’ll get a fast decision.
  • Provide the name, address, and current statement from the financial institution where the vehicle loan is currently held
  • A copy of your most recent pay stub

Apply Now! Contact Us!

* Applicant must provide verification of the rate you have been offered by another financial institution to be qualified for a gift card. Rates will be based on the evaluation of the applicant’s credit. The information contained in this offer is deemed to be accurate at the time of publishing. Offer valid through  April 30, 2022. Velocity Community Credit Union will beat the rate from another financial institution by at least 0.50% Annual Percentage Rate (APR) with a floor rate of 1.99% APR. Promotional rates do not qualify. The minimum amount financed must be $7,500. The financing term must be 72 months or less, OR the remaining term, whichever is greater. Offer does not apply to vehicle loans currently financed with Velocity Community CU. Rate must be for a similar product and term. Loans subject to credit approval.

If we approve you for credit but are unable to beat your rate by at least 0.50% APR, you will receive a $100 VISA® gift card. Allow 3-4 weeks from the date of the loan application to receive your gift card. Offer subject to change without notice. Other terms and conditions may apply. Other restrictions may apply. One promotional bonus per vehicle loan, including other offers.

AutoAdvisors Car Buying Service

When was the last time you absolutely knew you got a great deal? Probably never! That’s why you have access to the professional car buying services of AutoAdvisors, a No-Cost Member Benefit, courtesy of Velocity Community Credit Union!

With AutoAdvisors, you’ll:

  • Earn a Special AutoAdvisor rate discount: 0.15% APR off your approved rate*
  • Save time at the dealership as our advisors get you into your perfect car
  • Get an outstanding trade-in value good for 7 Days
  • Receive GAP & Extended Warranties up to 50% less compared to dealerships

Before you go “shop”, check with AutoAdvisors and save!

Contact AutoAdvisor, Andy Carpiuc, at (561) 625-2412, (800) 929-8971, or

* Discount applied to your approved auto loan rate from your credit union. Restrictions apply. Contact credit union for complete details. AutoAdvisors receives a transactional fee from the dealer not dependent on dealer profit.

First-Time Auto Buyer Program

Shopping around for your first auto loan? Our First-Time Auto Buyer Program helps young adults get into the car they want at a great rate.*

Buyer Requirements:

  • Complete the Interactive course “Coffee Break Finance: Buying A Car” on, pass the quiz with an 80% or higher, and provide the certificate
  • Show proof of insurance
  • Provide two references
  • Be employed for at least a year

Loan Terms:

  • $500 minimum down payment
  • $5,000 minimum loan amount
  • $25,000 maximum loan amount
  • 72-month maximum term
  • 90% of MSRP/NADA on new autos
  • 90% of NADA on used autos

* Vehicle Loans subject to approval. Other terms, conditions, and restrictions may apply. APR=Annual Percentage Rate. Down payment will be required. Value for used vehicles will be determined by NADA. Eligibility for the lowest rate is subject to the ability to repay, creditworthiness, risk score, and terms of the loan. Older make vehicles may not be eligible for longer terms. In-house refinances are excluded. Offer subject to change without notice. Other terms, conditions, and restrictions may apply.

Protect Your Investment!

Mechanical Breakdown Protection

Expensive repair bills can leave you stranded financially unless you have an extended warranty. The credit union offers this valuable coverage at just a fraction of what you would pay at the dealership.

Request a Quote

Guaranteed Asset Protection

You could lose more than your vehicle if it is stolen or involved in a major accident. Most insurance policies only cover the value of your vehicle, while your loan balance could be much higher than the value of your vehicle.

With Guaranteed Asset Protection (GAP), if something does happen, the difference between the value of your vehicle and the balance of your loan will be paid.

Protect Your Loan!

Loan Protection Plans

Our Smart Payment Protection provides you with an important sense of financial security in knowing your loan payment will not become a burden to you in times of hardship. Under the Smart Payment Protection program,* your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you, your family, and your credit rating are protected.

Call for a free quote today!

* Your purchase of Smart Payment Protection is optional. Whether or not you purchase the product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for coverage. This information will include a copy of the contract containing the terms and conditions. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits. You should carefully read your contract for a full explanation of the terms and conditions of the program.

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