AUTO LOANS
Lower rates for a smoother ride.Which auto loan option is right for me?
| Loan type | Best if you want … | APR1 as low as |
|---|---|---|
| Auto Loan |
Best if you want …
A car, van, truck or utility vehicle |
APR1 as low as
|
Buying NewUp to 110% financing. Buying UsedUp to 90% of retail value. |
||
| Motorcycle Loan |
Best if you want …
Powerful rates on two wheels |
APR1 as low as
4.94%
|
Buying NewUp to 100% financing. Buying UsedUp to 100% of wholesale or appraised value. |
||
Expect More
Fast decisions
During weekday business hours, we offer answers within minutes.
Great, low rates
It’s the credit union difference. Trust Xceed to provide terrific rates.
Want an even lower rate?
Signature and Simplicity Checking account holders get a 0.25% discount for enrolling in automatic payments!
Easy payments
Set up automatic payments on your auto loan to make payments effortless.
GAP + Auto Deductible Reimbursement
Got an Xceed auto loan? Protect your pocketbook and your credit rating by covering the gap between your vehicle’s value and the amount you still owe.2
- $100,000 maximum loan amount
- $50,000 maximum payout
- 150% KBB book value
- Up to 84-month terms
- Up to $500 per loss (up to twice a year in a three-year term)
- No explanation needed for total loss
- No derogatory credit issued
- Adds $1,000 for the down payment on a replacement vehicle
Mechanical Breakdown Coverage
If your car breaks down, don’t get stuck. Protect yourself from costly repair bills with Mechanical Breakdown coverage.2
With three different plan levels from two reputable providers – Interstate and Mercury Insurance Group – you can cover virtually all mechanical and electrical components on your vehicle.
Borrower Security
Protects up to two borrowers per loan for:
- Loss of Life: Pays off the loan balance up to $50,000 for consumer loans and $100,000 for Home Equity loans and Home Equity Lines of Credit in the event of death; provides 25% of benefit coverage after members reach age 70
- Disability: Provides up to 12 months or $12,000 disability protection
- Unemployment: Provides up to 6 months or $3,000 unemployment protection
Accidental Death & Dismemberment
We partner with TruStage AD&D Insurance from CMFG Life Insurance Company. For Xceed members age 18+, acceptance is guaranteed, with benefits including:
- Cash payout
- Hospital visits
- Inflation protection
- Education assistance
- Childcare assistance
Buy your next car through Enterprise
Xceed makes it easy to buy a quality used car, through our partnership with Enterprise Car Sales.3 Visit Enterprise to start shopping and find current offers, then come back here to start your auto loan application process.
Skip-A-Payment
Could you use a little extra cash this month? As long as your account is in good standing, a Skip-A-Payment might be just the ticket to help pay unexpected bills, go on a weekend adventure—whatever you’re looking to do!
But hurry! To take advantage, you must submit your request no more than three business days prior to your next payment due date.
Cash-Out Refinance
Have equity in your vehicle? Try a cash-out auto refinance with Xceed Financial. When you refinance an auto loan you have with another lender, you can enjoy both a competitive low rate and get cash back to use for whatever you want.
- Get cash to pay bills or consolidate other credit accounts
- No-hassle online application, or apply by phone or at any Xceed Financial Center
- Get a decision quickly
Disclosures
²Please refer to our service coverage and vehicle protection brochure for full details. Xceed Financial Federal Credit Union does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. Certain eligibility requirements, conditions, and exclusions apply and are subject to change at any time.
³Includes used vehicles previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. Xceed Financial does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. The “e” logo, Enterprise, “Borrow Smart. Buy Smart.”® and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. ©2014 Enterprise Car Sales.
⁴Xceed Financial does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. Certain eligibility requirements, conditions and exclusions may apply and are subject to change at any time.