Auto Loans

Whether you are purchasing new or refinancing a vehicle, we make the experience simple and easy! Our ultra competitive rates and quick approvals help you get on the road faster.

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Vehicle Service Agreement

Alcoa Community Federal Credit Union offers protection options to help keep both your vehicle and your wallet safe from unexpected repairs, accidents, or losses. With rising repair costs and longer vehicle ownership, it’s important to have added protection. That’s where Premier Mechanical Protection comes in, helping cover costly repairs when you need it most.

ACFCU can finance 100% of the cost and include it in your vehicle loan at the same low rate.

For more information on Premier Plans, contact a lender today 501-315-5626 or info@alcoacfcu.org.

STANDARD FEATURES ON ALL PREMIER PLANS:

  • Optional deductible for greater affordability

  • Towing coverage, $100.00 maximum per claim

  • Car rental coverage, up to 5 days or 10 days, depending on your Premier program level

  • Nationwide protection and toll-free service number

  • Travel and Trip Interruption Protection for Premier Platinum, Gold and Bronze

  • Roadside Assistance, up to $80.00 per incident within a 72-hour period

EXTRA FEATURES AVAILABLE

  • Accidental Loss Refund – to protect against collision or acts of God

  • KeyGuard Emergency Assistance Service – 24/7 emergency service for multiple key and fob replacement, lock-out assistance (vehicle AND home), emergency transportation assistance (taxi or rental car), trip interruption and emergency towing

  • Light Commercial Use coverage for eligible business uses

  • Lift Kit and Tire Modification coverage for vehicles with suspension lifts or oversized tires

  • Snow Plow coverage for vehicles with an attached snow plow

GAP Coverage

Guaranteed Asset Protection coverage that pays the difference between the scheduled principal balance of your vehicle loan and its actual cash value in the event of a total loss or theft.

Fill the gap between your current loan balance and what your insurance company will pay you.

Covers up to $1,000.00 of your insurance deductible

Optional Premium coverage includes $1,000.00 replacement vehicle assistance to reduce the amount of a new loan when financing or leasing a replacement vehicle at Alcoa Community FCU.

Available any time during the loan term but is usually not recommended after the first 18 months of your loan.

AUTO SUPPORT:

As a thank you for purchasing a Gap policy, you will receive the Auto Support + Program completely FREE! This auto deductible reimbursement pays up to $500.00 per loss with UNLIMITED losses per year. Other benefits of Auto Support + include:

  • Loss deductible reimbursement up to $500.00 to relieve you of out-of-pocket expense

  • Personal ID Restoration Consulting to help you restore your good name in the event of identity theft

  • Warranty Vault™ online storage and organizing service that helps you take advantage of your consumer product warranties

Debt Protection

Even the most responsible person can face financial challenges if an unexpected illness, injury, or death prevents them from earning a paycheck. Bills can pile up, credit scores can drop, and in some cases, repossessions may occur.

By adding Payment Protection¹ to your loan, you can reduce the financial impact of life’s unexpected events, giving you peace of mind when it matters most.

Payment Protection can:

  • Eliminate all or part of your remaining loan balance

  • Protect your credit rating as loan payment obligations are made on your behalf

  • Prevent late fees

  • Create financial security for your family

  • Free-up extra cash when it’s needed most

¹Payment Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans. Your purchase of Payment Protection is optional. Whether or not you purchase Payment Protection will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Payment Protection. You should carefully read the contract for a full explanation of the terms.

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