Auto Loans


It’s no secret that a new auto loan purchase can be stressful. But it doesn’t have to be that way! Our outstanding loan consultants can put you in the driver’s seat with a smile on your face from the savings and options we have available. Or if time is of the essence you can apply now with the quick easy loan application. With rates as low as 2.24%APR* now is the time to act. And even better no payments for 90 days! Refinance or new. It is up to you.

Flexible terms


Convenient online application


Pre-approvals available

Save time, money and stress when searching for your next vehicle with EXCEL and CU Carfinder. Use our car buying tool to find the best deal on the car that’s right for you.

That’s where Guaranteed Asset Protection (GAP) comes in. If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss.

Click here to learn more.

Mileage can add up quickly, but the repair costs don’t have to. EXCEL has partnered with CU Certified Automotive to provide extended warranties as a more affordable option than more costly dealership warranties.

  • Nationwide protection
  • 24/7/365 emergency roadside assistance
  • $0 deductible
  • Rental vehicle assistance
  • Plans for both new and used vehicles

Choose the plan that’s the right size for you:

  • Powertrain covers 500+ parts and is designed to provide protection at a reasonable cost. Covers the engine, transmission, transfer case and drive axle.
  • Standard covers 850+ parts including air conditioner, front suspension, steering, breaks, electrical and seals and gaskets.
  • High-Tech covers 3,000+ parts including additional electrical, ABS brakes, cooling, fuel system, air conditioner, interior/exterior and seals and gaskets.
  • Comprehensive covers 18,000+ parts and is “exclusionary” coverage – meaning it covers all breakdowns except what’s listed in the contract under the exclusions section

A safety net for the unexpected.

While life is wonderful, it can get complicated when unexpected things happen. Protecting your loan balance or payments against death, disability or involuntary unemployment could help protect your finances.

Our Life Plus option adds protection for life events such as accidental dismemberment, terminal illness, hospitalization family medical leave and the loss of life of a non-protected dependent.

Purchasing protection is voluntary and won’t affect your loan approval.

Debt protection chart

Car Refinance and New Car Smart Savings
*Annual Percentage rate. Rates and terms are based on Excel FCU underwriting criteria a $3,000 minimum and are subject to change without notice. Existing Excel FCU loans are ineligible for refinance. Discounted rate as low as 2.24% APR based on 2.74% APR less 0.50% with an Excel checking account in good standing with direct deposit and automatic loan payments. +First payment due within 90 days of loan disbursement, interest continues to accrue. Offer subject to change without notice. Assuming an $18,000 loan amount, at 2.24%APR and a 4 year term you would make 48 monthly payments of $392.44. Assuming an $18,000 loan amount, at 2.74%APR and a 5 year term you would make 60 monthly payments of $321.40.

*This page highlights the benefits of the mechanical breakdown protection options. Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of the warranty plan. Mechanical Breakdown Protection is administered by a third party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.

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Found a loan that looks right for you? Let’s get started!