AUTO LOANS

Lower rates for a smoother ride.

Which option is right for me?

Loan type Best if you want … APR1 as low as
Auto Loan
Best if you want …

A car, van, truck or utility vehicle

APR1 as low as
3.00%
Buying New

Up to 120% financing.

Buying Used

Up to 120% of retail value.

Boat Loan
Best if you want …

Competitive rates to get you on the water

APR1 as low as
6.54%
Buying New

Up to 90% financing.

Buying Used

Up to 90% of wholesale or appraised value.

RV Loan
Best if you want …

A recreational vehicle or motor home

APR1 as low as
7.49%
Buying New

Up to 90% financing.

Buying Used

Up to 90% of wholesale or appraised value.

Motorcycle Loan
Best if you want …

Powerful rates on two wheels

APR1 as low as
4.69%
Buying New

Up to 100% financing.

Buying Used

Up to 100% of wholesale or appraised value.

Expect More

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Fast decisions

During weekday business hours, we offer answers within minutes.

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Great, low rates

It’s the credit union difference. Trust Xceed to provide terrific rates.

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Want an even lower rate?

Signature and Simplicity Checking account holders get a 0.25% discount for enrolling in automatic payments!

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Easy payments

Set up automatic payments on your auto loan to make payments effortless.

GAP + Auto Deductible Reimbursement

Got an Xceed auto loan? Protect your pocketbook and your credit rating by covering the gap between your vehicle’s value and the amount you still owe.2

  • $100,000 maximum loan amount
  • $50,000 maximum payout
  • 150% KBB book value
  • Up to 84-month terms
  • Up to $500 per loss (up to twice a year in a three-year term)
  • No explanation needed for total loss
  • No derogatory credit issued
  • Adds $1,000 for the down payment on a replacement vehicle
child sleeping in car seat

Mechanical Breakdown Coverage

If your car breaks down, don’t get stuck. Protect yourself from costly repair bills with Mechanical Breakdown coverage.2

With three different plan levels from two reputable providers – Interstate and Mercury Insurance Group – you can cover virtually all mechanical and electrical components on your vehicle.

Get all of the details »

Xceed Auto Buying Services

Borrower Security

Protects up to two borrowers per loan for:

  • Loss of Life: Pays off the loan balance up to $50,000 for consumer loans and $100,000 for Home Equity loans and Home Equity Lines of Credit in the event of death; provides 25% of benefit coverage after members reach age 70
  • Disability: Provides up to 12 months or $12,000 disability protection
  • Unemployment: Provides up to 6 months or $3,000 unemployment protection

Contact us about borrower security »

Accidental Death & Dismemberment

We partner with TruStage AD&D Insurance from CMFG Life Insurance Company. For Xceed members age 18+, acceptance is guaranteed, with benefits including:

  • Cash payout
  • Hospital visits
  • Inflation protection
  • Education assistance
  • Childcare assistance

Call 855.612.7910

Get a quote »

Buy your next car through Enterprise

Xceed makes it easy to buy a quality used car, through our partnership with Enterprise Car Sales.3 Visit Enterprise to start shopping and find current offers, then come back here to start your auto loan application process.

Explore offers »

Living in the Northeast? Let AutoWise help you shop

AutoWise® auto buying service offers a stress-free car-buying experience to Xceed members in Rochester, NY and Parsippany, NJ.4

  • Vehicle search
  • Price negotiation
  • Delivery coordination

Trust AutoWise® for extensive market experience and volume buying power with car dealers to get the best price.

Learn more »

Skip-A-Payment

Could you use a little extra cash this month? As long as your account is in good standing, a Skip-A-Payment might be just the ticket to help pay unexpected bills, go on a weekend adventure—whatever you’re looking to do!

But hurry! To take advantage, you must submit your request no more than three business days prior to your next payment due date.

Get started
Girl in back of station wagon

Cash-Out Refinance

Have equity in your vehicle? Try a cash-out auto refinance with Xceed Financial. When you refinance an auto loan you have with another lender, you can enjoy both a competitive low rate and get cash back to use for whatever you want.

  • Get cash to pay bills or consolidate other credit accounts
  • No-hassle online application, or apply by phone or at any Xceed Financial Center
  • Get a decision quickly
Apply now
Man and woman with groceries and truck

Xtraordinary Moment

Hannah C
Name
Hannah C.
3-Word Description
Daughter, Hard Worker, Student
Occupation
First Grade Teacher
First Job
Cashier at Wegmans
Member Since
2004

This was the first place that we looked [for an auto loan], because my parents have had such a great experience. I really knew nothing about getting loans, but I went to my dad, who is the go-to for everything. He told me to go to Xceed.

The Cummings family discusses Xceed's amazing service and rates for auto loans

Ready to get started?

Visit your nearest Financial Center or ATM
Find a location »
Get started on your Xceed auto loan
Apply now »
Call us to talk to one of our associates
800.XFCU.222

Disclosures

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit and key financing characteristics, including but not limited to, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 10/10/2018 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

²Please refer to our service coverage and vehicle protection brochure for full details. Xceed Financial Federal Credit Union does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. Certain eligibility requirements, conditions, and exclusions apply and are subject to change at any time.

³Includes used vehicles previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. Xceed Financial does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. The “e” logo, Enterprise, “Borrow Smart. Buy Smart.”® and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. ©2014 Enterprise Car Sales.

⁴Xceed Financial does not assume responsibility for, nor does it control, endorse, or guarantee information, products, services and recommendations provided by referenced third parties. Certain eligibility requirements, conditions and exclusions may apply and are subject to change at any time.

You are now leaving Xceed Financial Credit Union’s website. We provide hyperlinks to other sites solely as a convenience, and they may not always function properly. XFCU does not control, nor are we responsible for the contents of, or any link within, a third party’s site. A non-XFCU site might have a different privacy policy and may provide less security than XFCU’s site. When accessing a site from here, you are responsible for confirming the identity and authenticity of any third party you visit and transact business with online. Hyperlinks from XFCU are not endorsements by XFCU of any third party, its ownership or management, products, services, information or recommendations it may offer, or any advertisers or sponsors appearing on a third party’s site.

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