Bragg Mutual FCU
Bragg Mutual FCU

Auto Loans

Have new credit? No Problem image

Competitive Rates

Bragg Mutual FCU auto loans offer the most competitive rates in the industry.  With flexible terms, GAP Insurance and Extended Warranties, the Credit Union will save you hundreds of dollars. We finance new, used, and collectible vehicles.  Simply bring in the dealer worksheet to get started. Full coverage auto insurance is required. Some restrictions apply.

Interested in lowering your current rate and/or payment? The Credit Union offers rates up to 2% lower than you are currently paying.  Some restrictions apply.

New Credit? No Problem. 

Don’t let new credit stop you from getting some real wheels.

We understand that when you’re just starting out in life, new credit can be a tough obstacle when trying to make a big purchase, like a vehicle.  Having little to no credit history can close a lot of doors, but we could help. Although having little credit history is not ideal, there are still many applicants who can secure car loans.

We help those who may have little credit history move forward when they meet certain criteria. Call (910) 222-1500 and ask to speak to a loan officer today!

*Some limitations may apply and subject to credit approval. 

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Contact us today to learn more about adding GAP to your vehicle loan so you can worry less about tomorrow.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

It’s Better Banking for Everyone.

PHONE (910) 222-1500