Auto Loans
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Getting your auto loan from Prosperity FCU will prove to be a great financing decision for you! You’ll get a great rate, your choice of terms, and personalized service. Qualifying members can take advantage of our many flexible options including:
- No Down Payment – 100% Financing including tax, license and mechanical
breakdown insurance
- Low Fixed Rates
- Terms up to 84 months
- Refinance Loans from Other Lenders at the new Car Rate*
- Purchase a Used Vehicle at the New Car Rate*
- Skip-A-Payment Option offered during Holidays
- Click here for current auto loan rates.
* Cars up to 3 years old
When you’re in the market for a new or used car, or if you’d like to get a refinance to lower your payment and get a new loan term, Prosperity FCU is the best place to start. As with all of our loans, it’s simple to apply, and our knowledgeable loan staff will assist you in determining the loan that’s right for you! Click here to download a loan application.
Auto Resources
Find the auto you are looking for...
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Autoland - Prosperity FCU’s In-house Auto-Buying Service.
Since 1971, Autoland has been the leading Credit Union auto-buying service. With an extensive inventory of new and certified pre-owned vehicles, Autoland offers Credit Union Members one-stop shopping. More than 200,000 Credit Union Members have used Autoland to research, purchase and drive home in the vehicle that’s right for them.
Autoland’s Consultants can answer your questions on all makes, models, and styles. They will find you a vehicle at a great value and help you with your trade in. By streamlining the auto-buying process, Autoland will save you time when you purchase your next vehicle.
If you’d like more information about Autoland’s services or the Member Exclusive Giveaway, log on to www.autoland.com or call 800.234.6999.
For expert advice on new and used vehicles, call 800-234-6999 or visit our inventory online at
www.autoland.com
Enterprise Car Sales
New Cars Inc.
If the convenience of one-stop shopping is a top priority for you, New Cars Inc., our member auto buying service, is the way to go. Whether you're in the market for a new or used vehicle, NCI will do the homework. You simply state the make, model, options and colors of the vehicle you want and NCI will find it, and in most cases, deliver it within 24 hours.
For all the details on New Cars Inc. auto buying services, click here to be connected to New Cars, Inc.
GAP Insurance – Guaranteed Auto Protection – offers protection against financial liability for individuals who finance a new or used vehicle. GAP protects the individual against financial loss in the event that their vehicle is damaged beyond repair or stolen. If GAP is in place, the covered deficiency balance is waived. If your car is stolen or destroyed, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance. GAP covers the difference between the market value of your vehicle and the loan balance (less delinquent payments and late charges). Also, GAP will cover your insurance deductible up to $1,000. Cost to the member is hundreds of dollars less than what the auto dealers charge.
MBI Insurance – Mechanical Breakdown Insurance – PFCU offers MAPP – Members Automobile Protection Plan. When your vehicle needs repair, it’s nice to know that you are covered by a protection plan with a guaranteed low deductible long after the manufacturer’s warranty has expired. Without protection you could be facing large unpredictable bills – and the cost of repairs will only increase during the time you own your vehicle. Four plans available – Standard, Preferred, Deluxe, and Supreme – all for hundreds of dollars less than what the auto dealers charge.
Credit Life and Disability Insurance - We offer both credit life and credit disability insurance coverage. Credit life insurance pays off your loan in the event of your death. It reduces financial burdens and protects your family. It protects income, collateral and credit rating. But most of all it provides peace of mind.
