Better Than A Lease
Drive4Less
Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership. Other advantages include:
• New and pre-owned vehicles up to five years old qualify
• Flexible loan terms of up to 72 months
• No down payment required
• Annual mileage options of 12,000, 15,000 & 18,000
• No early payoff penalty
• Refinance your current loan to reduce monthly payments
• Upgrade and/or change your vehicle every couple years
• Since the title is in YOUR name, you have more options prior to loan maturity and at loan maturity, including the ability to turn your vehicle in and walk away at the end of the loan term!
Low Rates
Save money on your auto loan
Buying the car you need doesn't have to cost an arm and a leg. Get an auto loan with lower rates than most other financial institutions by financing with us. You'll save more on the overall cost of your loan, meaning you can put your hard-earned money toward other important expenses.
Terms Up to 84 Months
Pick the payment that works for you
There's no need to make monthly payments you can't afford. Keep monthly payments low with flexible financing available up to 84 months.
TruStage Auto Insurance Program
Get a Great Deal on Your Car Insurance
Protect your new vehicle with ease. Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.
Credit Union Direct Lending (CUDL)
Work directly with the dealership
There's no need to back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with the dealership, so you can get your loan through us right at the dealership when you find your perfect car.
Vehicle History Reports
CARFAX
Curious about a used car's history? Consider CARFAX for a detailed report about a vehicle before you decide to buy. Each report contains information about whether the car in question has been in an accident, has any open recalls, previous owners, service history, and more.
Rates
View all RatesLoan Payment Example: A $25,000 auto loan at 5.99% APR* for a 48 month term would have a $588.00 monthly payment.
What Works Best For You?
We offer a variety of financial calculators to assist you in planning for your auto loan. Calculate payments, compare payments by term, and decide what fits best for your budget in just a few clicks.
Please note that these results are approximate and are intended for your information only; they are not an endorsement or offering. The accuracy of the results is not guaranteed by this institution and is only meant to be an approximate guideline.
Jordan helped me with a new car loan. She was professional, knowledgeable, and so very helpful. She called to check in afterward and made sure to let me know I can call her with any questions or concerns. I really appreciate her and everyone at Fibre.
Why Choose Us?
We’re kind of like a family, only we’re a credit union
A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.
Better rates + low fees = happy members
When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.
In person, virtual, or online
We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!
Your home is our home, so we like to keep it nice
We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.
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1
Complete an application
It takes only minutes to fill out the online application.
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Buy your dream car
Use the funds to buy the vehicle you need.
Your next car is within reach
Get the car you deserve with a flexible, low-rate auto loan.
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*Annual Percentage Rates effective December 11, 2024 and subject to change without notice.
All Rates
| Maximum Terms | Financing | APR* |
|---|---|---|
|
48 Months |
90% MSRP or High KBB |
5.99% |
|
60 Months |
90% MSRP or High KBB |
6.24% |
|
72 Months |
90% MSRP or High KBB |
6.49% |
|
84 Months |
90% MSRP or High KBB |
6.74% |
*Annual Percentage Rates effective December 11, 2024 and subject to change without notice.
Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months.
Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72
months.
Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.
Purchase: Front end LTV >90%, add .25%; >100%, add .50%; >110%, add .75%; >120%, add 1.00%. Maximum LTV 130%.
Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.
Learn More and Apply
| Maximum Terms | Financing | APR* |
|---|---|---|
|
48 Months |
90% High KBB |
6.24% |
|
60 Months |
90% High KBB |
6.49% |
|
72 Months |
90% High KBB |
6.74% |
|
84 Months |
90% High KBB |
6.99% |
*Annual Percentage Rates effective December 11, 2024 and subject to change without notice.
Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans
$20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months.
Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.
Purchase: Front end LTV >90%, add .25%; >100%, add .50%; >110%, add .75%; >120%, add 1.00%. Maximum LTV 130%.
Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.
Learn More and Apply
| Maximum Terms | Financing | APR* |
|---|---|---|
|
48 Months |
90% High KBB |
8.24% |
|
60 Months |
90% High KBB |
8.49% |
*Annual Percentage Rates effective December 11, 2024 and subject to change without notice.
Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.
Purchase: Front end LTV >90%, add .25%; >100%, add .50%.
Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.
Learn More and Apply
More Features
Auto Solution Car-Finding Service
Don't like shopping for a car? That's okay. We do! We'll help you find your next vehicle with Auto Solution car-finding services.
Visit Auto SolutionTerms Up to 84 Months
Keep your monthly payments nice and low with flexible terms up to 84 months.
Rate Equality
We practice Rate Equality, so every qualified member gets the same low rate.
Refinance
Why pay more than you have to? Save on your existing auto loan by refinancing at a lower rate with us.
Credit Union Direct Lending (CUDL)
We work with most local area dealerships to make purchasing your car right at the dealer a breeze.
Private Sales
No dealership? No problem! You can get a low-rate auto loan even if you buy from a private seller.
MemberGuard™ Protection
Protect your loans now for life's unexpected surprises. MemberGuard™ Protection can cancel your loan payments if you become involuntarily unemployed, sick, or injured. It can also repay your loan, up to the policy maximum, if you become deceased.
Learn MoreMembership Status
TruStage Auto Insurance Program
Protect your new vehicle with ease. Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.
If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings. Get your free quote today or call 1-855-483-2149.
TruStage™ Auto Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies.
Discounts are not available in all states and discounts vary by state.
The insurance offered is not a deposit and is not federally insured.
This coverage is not sold or guaranteed by your credit union.
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