Auto Loans

EXPERIENCE MORE SMILES PER MILE WITH CAR LOANS IN ATLANTA

It’s no secret that a new vehicle purchase can be stressful. But it doesn’t have to be! Find quick, easy and affordable financing with an auto loan in Atlanta from EXCEL.

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Flexible terms

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Convenient online application

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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

Refi Your Auto & Save
*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 0.99% based on 1.49% APR less 0.50% with an Excel checking account in good standing with direct deposit and automatic loan payments. Or member may choose **up to $500 cash back at loan disbursement based on 1% of the loan amount and rate as low as 1.75% based on 2.25% APR less 0.50% with an Excel checking account in good standing with direct deposit and automatic loan payments. Loans paid off within 60 days are subject to recoupment of the cashback amount. +First payment due within 90 days of loan disbursement, interest continues to accrue. Offer subject to change without notice. Payments example: Assuming $18,000 loan amount, a 0.99% APR, and a 5-year term, you would make 60 monthly payments of $307.62.

Buy Smart
*Annual Percentage Rate. Rates and terms are based on Excel FCU underwriting criteria, $3,000 minimums, and are subject to change without notice. Existing Excel FCU looms are ineligible for refinance. Discounted rate as low as 0.99% based on 1.49% APR less 0.50% with an Excel checking account in good standing with direct deposit and automatic loan payments. Or member may choose**up to $500 cash back at loan disbursement based on 1% of the loan amount and rate as low as 1.75% based on 2.25% APR less 0.50% with an Excel checking account in good standing with direct deposit and automatic loan payments. Loans paid off within 60 days are subject to recoupment of the cashback amount. +First payment due within 90 days of loan disbursement, interest continues to accrue. Offer subject to change without notice. Payment Example: Assuming a $18,000 loan amount, a 0.99%APR, and a 5-year term, you would make 60 monthly payments of $307.62.

*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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