New or used, Circle Federal Credit Union offers competitive rates to help you finance your next ride.
How to Protect my Loan
Here at Circle Federal Credit Union, we understand that life happens. Let us help you protect your loan, family, and credit. Protect your investment and drive without worry with the help of GAP,Warranty, and Debt Protection.
Guaranteed Asset Protection
With GAP Insurance, you're protected from unexpected expenses that your normal insurance policy may not cover, such as a wrecked or stolen vehicle.
Extended Warranty/Mechanical Breakdown Protection
Purchase an extended warranty to cover and reduce out-of-pocket expenses from unexpected breakdowns, repairs, and more not covered by existing insurance. Learn more here.
Safeguard your loan balance or loan payment against death, disability, or involuntary unemployment.
What you Need to Know about Buying a Vehicle
- Always get pre-approved for a loan BEFORE you start shopping. This way you know what you can afford and what your lender is willing to give you.
- Be aware of the mileage on a vehicle you are looking to buy. Average mileage is 15,000/year. The lower the mileage, the better!
- It's always good to have a down payment; it will cost you less in interest and lower your monthly payment.
- Most Lenders won't loan greater than the "Book Value" or on a salvaged title.