{"id":21,"date":"2021-03-11T10:31:53","date_gmt":"2021-03-11T10:31:53","guid":{"rendered":"https:\/\/www.velocitycommunity.org\/wph\/workarea\/loans-credit-cards\/vehicle-loans"},"modified":"2026-03-30T20:42:18","modified_gmt":"2026-03-30T20:42:18","slug":"vehicle-loans","status":"publish","type":"page","link":"https:\/\/www.velocitycommunity.org\/wph\/workarea\/loans-credit-cards\/vehicle-loans\/","title":{"rendered":"Vehicle Loans"},"content":{"rendered":"\n<div class=\"wp-block-cover is-light has-black-color has-text-color has-link-color wp-elements-0770e89fb882de9b9d21ffc644596492\" style=\"min-height:279px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"395\" class=\"wp-block-cover__image-background wp-image-6146 size-large\" alt=\"\" src=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-1024x395.png\" data-object-fit=\"cover\" srcset=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-1024x395.png 1024w, https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-300x116.png 300w, https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-768x297.png 768w, https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-1536x593.png 1536w, https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2026\/02\/AutoLoansPageBanner-2048x791.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n\n\n<\/h2>\n<h2>Why finance with Velocity Community Credit Union?<\/h2>\n<p><!-- Google Tag Manager(noscript) --><noscript><iframe loading=\"lazy\" src=\"https:\/\/www.googletagmanager.com\/ns.html?id=GTM-NL7G64Z\" height=\"0\" width=\"0\" style=\"display:none;visibility:hidden\"><\/iframe><\/noscript><!-- End Google Tag Manager(noscript) --><\/p>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Up to 125% financing on autos<\/li>\n\n\n\n<li>No application fees, no pre-payment penalties<\/li>\n\n\n\n<li>Low, fixed rates &amp; flexible terms to fit your budget<\/li>\n\n\n\n<li>Easy to <a href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?lenderref=Velccu121818&amp;citizenship=\">apply online<\/a>, easy to close with electronic signatures<\/li>\n\n\n\n<li>Use an Express Draft to pay for your car at the dealership &#8211; see below for details!<\/li>\n\n\n\n<li><a href=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/insurance-investments\/loan-protection-plans\">Payment Protection Plans<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p style=\"text-align: center;\"><a class=\"btn\" href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaDwzJWVvMFQFiQzg69gKF3ylAuSHB27U2Vw9odVpaappXBIWFsRlVlD65pUbGCx4SEeqlryUFe2WyI5o2ebK4lWA\"> Apply Now <\/a><\/p>\n\n\n\n<p style=\"text-align: center;\"><a class=\"btn\" href=\"https:\/\/www.velocitycommunity.org\/live-learn\/our-rates\/\"> Check Rates <\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<p>We can save you time and money! See how:<\/p>\n\n\n<div class=\"editor\"><!-- start accordion -->\n<div class=\"accordion\">\n<h4 class=\"heading\">&#8220;Beat Your Rate&#8221; Guarantee <a class=\"anchor_link\" name=\"BTR\"><\/a><\/h4>\n<div class=\"body\">\n<p>Car, Truck, Boat, Motorcycle, or RV<\/p>\n<p><strong>If we can&#8217;t beat your current or offered rate by at least 0.50% APR, we&#8217;ll give you a $100 VISA Gift Card.<sup>*<\/sup><\/strong><\/p>\n<ul>\n<li>Call or <a href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?lenderref=Velccu121818&amp;citizenship=\">apply online<\/a> &#8211; You\u2019ll get a fast decision.<\/li>\n<li>Provide the name, address, and current statement from the financial institution where the vehicle loan is currently held<\/li>\n<li>A copy of your most recent pay stub<\/li>\n<\/ul>\n<p><a class=\"btn\" href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?lenderref=Velccu121818&amp;citizenship=\">Apply Now! <\/a><\/p>\n<p class=\"disclaimer\"><em>* 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\u2019s credit. The information contained in this offer is deemed to be accurate at the time of publishing. Offer valid through December 31, 2026. 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 3.75% 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; not everyone will qualify.<\/em><\/p>\n<p class=\"disclaimer\"><em>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\u00ae 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.<\/em><\/p>\n<\/div>\n<p><!-- end panel --><!-- start panel --><\/p>\n<h4 class=\"heading\">First-Time Auto Buyer Program<a class=\"anchor_link\" name=\"FTABP\"><\/a><\/h4>\n<div class=\"body\">\n<p>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.*<\/p>\n<p>Buyer Requirements:<\/p>\n<ul>\n<li>Complete the Interactive course &#8220;<a href=\"https:\/\/velocitycommunity.kofetime.com\/courses\/\">Coffee Break Finance: Buying A Car<\/a>&#8221; on <a href=\"https:\/\/velocitycommunity.kofetime.com\/\">Kofetime.com<\/a>, pass the quiz with an 80% or higher, and provide the certificate<\/li>\n<li>Show proof of insurance<\/li>\n<li>Provide two references<\/li>\n<li>Be employed for at least a year<\/li>\n<\/ul>\n<p>Loan Terms:<\/p>\n<ul>\n<li>$500 minimum down payment<\/li>\n<li>$5,000 minimum loan amount<\/li>\n<li>$25,000 maximum loan amount<\/li>\n<li>72-month maximum term<\/li>\n<li>90% of MSRP\/NADA on new autos<\/li>\n<li>90% of NADA on used autos<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><a class=\"btn\" href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaDwzJWVvMFQFiQzg69gKF3ylAuSHB27U2Vw9odVpaappXBIWFsRlVlD65pUbGCx4SEeqlryUFe2WyI5o2ebK4lWA\"> Apply Now <\/a><\/p>\n<p class=\"disclaimer\">* 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.<\/p>\n<\/div>\n<p><!-- end panel --><!-- start panel --><\/p>\n<h4 class=\"heading\">AutoAdvisors Car Buying Service<\/h4>\n<div class=\"body\">\n<p>When was the last time you absolutely knew you got a great deal? Probably never! That\u2019s why you have access to the professional car buying services of <a href=\"https:\/\/velocity.autoadvisors.com\">AutoAdvisors<\/a>, a <strong>No-Cost Member Benefit<\/strong>, courtesy of Velocity Community Credit Union!<\/p>\n<p>With <a href=\"https:\/\/velocity.autoadvisors.com\">AutoAdvisors<\/a>, you\u2019ll:<\/p>\n<ul>\n<li>Earn a Special AutoAdvisor rate discount: 0.25% APR off your approved rate<sup>*<\/sup><\/li>\n<li>Save time at the dealership as our advisors get you into your\u00a0perfect car<\/li>\n<li>Get an outstanding trade-in value good for 7 Days<\/li>\n<li>Receive GAP &amp; Extended Warranties up to 50% less compared to dealerships<\/li>\n<\/ul>\n<p>Before you go \u201cshop\u201d, check with <a href=\"https:\/\/velocity.autoadvisors.com\">AutoAdvisors<\/a> and save!<\/p>\n<p>Contact AutoAdvisor, Andy Carpiuc, at <a href=\"tel:5616252412\">(561) 625-2412<\/a>, <a href=\"tel:8009298971\">(800) 929-8971<\/a>, or <a href=\"mailto:acarpiucaa@gmail.com\">acarpiucaa@gmail.com<\/a>.<\/p>\n<p class=\"disclaimer\">* 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.<\/p>\n<\/div>\n<p><!-- end panel --><!-- start panel --><\/p>\n<h4 class=\"heading\">Express Draft for Pre-Approved Loans <a class=\"anchor_link\" name=\"Draft\"><\/a><\/h4>\n<div class=\"body\">\n<p>If you are pre-approved for an auto loan with Velocity Community Credit Union, you may be qualified to use an Express Draft<sup>*<\/sup> at the dealership. Shop at your leisure and use the draft to purchase your car when you are ready. After we receive the executed Express Draft back from the dealership, the processing of your loan will be completed.<\/p>\n<ul>\n<li>Available for new autos and used autos that are 5 years old or newer<\/li>\n<li>Drafts are available for amounts between $5,000 and $75,000, depending on your pre-approval<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><a class=\"btn\" href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaDwzJWVvMFQFiQzg69gKF3ylAuSHB27U2Vw9odVpaappXBIWFsRlVlD65pUbGCx4SEeqlryUFe2WyI5o2ebK4lWA\"> Apply for Pre-Approval Now!<\/a><\/p>\n<p class=\"disclaimer\">* Not everyone will qualify for pre-approval or Express Draft option. Offer is available subject to credit approval. Only available to members living in and dealerships doing business in the State of Florida. \u00a0Down payment may be required. Value for used vehicles will be determined by NADA. Drafts are good for 60 days from issuance. Other terms, conditions, and restrictions may apply.<\/p>\n<\/div>\n<div class=\"body\">\n<p><!-- end panel --><!-- start panel --><\/p>\n<h4 class=\"heading\">Protect Your Investment!<\/h4>\n<div class=\"body\">\n<h3>Mechanical Breakdown Protection<\/h3>\n<p>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.<\/p>\n<p><a class=\"btn\" href=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/loans-credit-cards\/mbp\">Request a Quote <\/a><\/p>\n<h3>Guaranteed Asset Protection<\/h3>\n<p>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.<\/p>\n<p>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.<\/p>\n<\/div>\n<p><!-- end panel --><!-- start panel --><\/p>\n<h4 class=\"heading\">Protect Your Loan!<\/h4>\n<div class=\"body\">\n<h3>Loan Protection Plans<\/h3>\n<p>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,<sup>*<\/sup> 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.<\/p>\n<p>Call for a free quote today!<\/p>\n<p class=\"disclaimer\">* 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.<\/p>\n<\/div>\n<p><!-- end panel --><\/p>\n<\/div>\n<p><!-- end accordion --><\/p>\n<p><a class=\"btn\" href=\"https:\/\/app.loanspq.com\/vl\/VehicleLoan.aspx?lenderref=Velccu121818&amp;citizenship=\">Apply Now! <\/a> \u00a0 <a class=\"btn\" href=\"https:\/\/www.velocitycommunity.org\/live-learn\/our-rates\/\"> Check Rates <\/a><\/p>\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Why finance with Velocity Community Credit Union? Apply Now Check Rates We can save you time and money! See how: &#8220;Beat Your Rate&#8221; Guarantee Car, Truck, Boat, Motorcycle, or RV If we can&#8217;t beat your current or offered rate by at least 0.50% APR, we&#8217;ll give you a $100 VISA Gift Card.* Call or apply [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":20,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-21","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vehicle Loans - Velocity Community Credit Union<\/title>\n<meta name=\"description\" content=\"Our vehicle loans come with no application fees, no pre-payment penalties, low, fixed rates &amp; flexible terms to fit your budget. 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