Vehicle Loans

Better than 0% dealer financing! Do the math and save with Family 1, GM and Invest in America.

Save even more with GM

While low rate financing options from dealers seem like great offers, the low rate dealer financing that GM offers is usually only available to well qualified customers on select Chevrolet, Buick and GMC models. Generally, these financing offers are in lieu of consumer cash incentives.   So, you can either take the low financing rate offered by your dealer or you can take the consumer cash incentive.

An even better deal? Family 1 has historically offered low loan rates for auto loans.  You may be able to save thousands by financing your next vehicle with Family 1 and utilizing Invest in America’s Credit Union Member Discount from GM and the consumer cash incentive from the dealer instead of taking dealer low-rate financing.

Not convinced?  Check out this example on a 2011 Chevrolet Silverado 1500 LT Extended Cab 2WD.  In this case you can either get 0% financing for 60 months or a consumer cash incentive of $4,500:

By financing with Family 1, in this case at 2.99%, our rate for “A+” credit, you’ll save $45 each month or $2,700 over the course of the loan.

So before you visit LoveMyCreditUnion.org to get your GM Authorization Number, check our rates and do the math.  Chances are you’ll save more money by using the Credit Union Member Discount from GM, the consumer cash incentives and financing your new vehicle with Family 1!  Apply here.

Your path to your new vehicle in 2 easy steps:

Locate your new or used car now!

Submit your loan application!

A Family 1 Loan Officer will be calling once we receive your online application.

Whether it is time to upgrade to a new, fuel-saving vehicle, trade up to a van or SUV to hold your ever-growing family, or purchase your first vehicle, Family 1 has great vehicle loan rates and terms to help you out.

We offer a variety of rates to suit your particular needs. When you shop and compare our rates, you’ll see we can save you hundreds – even thousands – of dollars over the life of your loan.

Get pre-approved and call us for the value of the vehicle you’re interested in before you shop. We’ll help you get the best deal possible! You can even apply online!

Has someone offered you a better rate? Before you sign on the dotted line, call us first – we’ll always try to meet or beat that rate. And, when we get your business, you are supporting your own credit union – not someone else.

New or “New-to-You” Vehicles
We offer terms up to 72 months and up to 100% financing including tax, license, documentation fees, extended warranty/MBI and Gap Coverage.

Tax Advantage Auto Loans
Enjoy the tax advantages of a real estate loan — in a consumer loan– without the usual costs or hassles associated with a mortgage.

How It Works: A Tax Advantage Loan offers the tax benefits of a mortgage without the hassles. This is because it is secured by personal property — such as a vehicle or savings — and by real property (your home). The security requirements for the loan must be satisfied entirely by the personal property financed. As a result, you do not have to obtain an appraisal, title search, nor additional insurance on your home. You gain the benefits of a real estate-backed loan without the costs and hassles.

Tax Advantages: Tax Advantage Loans are real estate-backed loans and we report the interest you paid on the loan to the IRS each year so that you can claim your deduction. Please consult your tax advisor or the IRS to determine exactly how much a Tax Advantage Loan will benefit you.

Acceptable Security: You may purchase or refinance a car, truck, RV, boat or airplane – or borrow against your savings. In all cases, the value of the personal property must satisfy our collateral requirements entirely on its own.

The Credit Union Member Discount from GM Just Got Better

You can hit the road this summer with extra savings from Family 1 and the Credit Union Member Discount from GM. As a Family 1 member, you can already save big on a new Chevrolet, Buick or GM vehicle, but new consumer cash incentives of $2,000 – $3,000 can be combined with this exclusive member discount to help you save even more!
GM is offering combined savings on crossovers, full-size SUVs or the Buick Regal. Here’s an example of what you can save on a 2011 GMC Yukon:

 
Plus you can save even more when you finance your new GM through Family 1 and take advantage of our low auto loan rates, which start at 2.99%!
Talk to a Loan Officer today at 714-985-6117 to learn more about this great offer, or visit the GM page of LoveMyCreditUnion.org.