New and Used Auto Loans

  • Finance a new auto, RV, or conversion van

  • Financing terms available to suit your needs

  • You may qualify for a discounted loan rate when you are an active member and set up automatic payments

  • New (previously untitled) auto loans may qualify for extended terms

  • Payment Protection, including life, disability, and involuntary unemployment, is available. Watch a short video about Debt Protection

  • GAP insurance is available. Watch a short video about GAP

  • Pre-approval is available for both new and used auto loans – know how much you can spend

  • We check the history of all used autos that we finance using CarFax

  • You may also finance an auto with us that you purchase from an individual

Keep the application process quick and easy! You will need the following pieces of information on hand:

  • Income verification for each borrower. Either the last two paystubs, or if you are self-employed, your last two federal tax returns

  • Sales agreement (from a dealership) or Buyer’s Agreement (from a private sale)

  • Payoff Letter and Current Auto Registrations (if you are refinancing)

  • Current Auto Insurance Card

Apply online for an auto loan! You can also apply in person at any office location during business hours, or contact our lending department by telephone.  

Other Secured (Motorcycle, Mobile Home, ATV, etc…)

  • Finance your mobile home, boat, travel trailer, or motorcycle

  • All-terrain vehicles (ATV/Quad, etc.) are eligible for a maximum loan of 80% of the value

  • Low rates

  • Payment Protection, including life, disability, and involuntary unemployment, is available. Watch a short video about Debt Protection

You can apply online for an auto loan or in person at any office location. You may also contact the lending department by telephone.

Collateral Protection Insurance (CPI)

Your Loan Agreement requires that you maintain physical damage insurance coverage to protect the Credit Union’s interest in your collateral. You may contact an insurance agent or insurance company of your choice to obtain this necessary coverage. It is important to inform them to name Armstrong Associates Federal Credit Union as Loss Payee/Lienholder. The mailing address for insurance verification purposes is:

Armstrong Associates Federal Credit Union
P.O. Box 191
Ford City, PA 16226

If you fail to obtain or maintain your own insurance, we may purchase insurance to protect our interest in your collateral; this insurance is referred to as Collateral Protection Insurance or CPI. The cost of this insurance will usually be considerably more than the cost of insurance you may be able to obtain on your own. CPI only protects AAFCU’s interest in your collateral. It does not protect your interest or equity in the collateral. It will not provide bodily injury or property damage liability coverage, nor meet any state financial responsibility or no-fault laws. CPI will not provide medical insurance, uninsured motorist or underinsured motorist coverage.

Your signed Loan Agreement allows us to purchase this insurance and add the premium for it to your loan balance. In some cases, it also allows us to increase your payments to cover the cost of the insurance.

Your insurance information may be submitted to us via fax at (724) 763-8666, or you may submit the information electronically by email at mycu@myaafcu.com. Questions may also be directed by phone to 1 (866) 445-4524. Your policy may be faxed to 1 (877) 219-5867. You may also submit your information using the Web ID and Ref ID supplied in your notice, using this link: myloaninsurance.com.

Car Buying Tips

Are you buying a new car? Need some help?

Here are a few things to remember before you go shopping for your new vehicle:

  • Remember to shop around to compare options and prices

  • Be honest with your dealer. Let them know what you want and how much you can afford

  • Give yourself time to shop. Get the best deal from each dealer and compare

  • Know the value of your trade-in before negotiating the cost of your new car. (Call our loan department for the high and low values of your trade-in)

  • Find out the invoice price of the car or truck you are looking for before shopping

  • Negotiate! Not only for the price but also for any options that may not be included

  • Get the deal in writing, then come back after you have had time to think about it. Be careful with 0% financing offers. 0% financing is available to very few people; it’s just a hook to get you into the showroom. Be sure to compare your costs for financing at a lower rate versus taking the rebate and financing less at a slightly higher rate–the results may surprise you!

  • Remember to HAVE FUN!

Fuel Economy Guide

Scan the QR code below, or follow the link to access the most recent version of the Fuel Economy Guide from the Department of Energy.

Scan this QR code and save it to your mobile device to be able to read, study and consider at your leisure! Using your PDF viewer is recommended. Your mobile device may block the download otherwise. Just open your camera and aim it at the code, it should pop up with a block with instructions. If it doesn’t automatically scan, you may need to review your settings for your device.

 

If the QR code won’t work for you, visit the following link to access the 2025 Fuel Economy Guide:
fueleconomy.gov 

Mechanical Repair Coverage Available!

Optional protection against unexpected repair costs.

The older your vehicle gets, the more expensive it can be to fix it - and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs.

Help protect yourself from unexpected costly covered repairs - Talk to one of our lending representatives to find out what Mechanical Repair Coverage plan is right for you.

Disclosure: Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA: where coverage is offered as insurance by Virginia Surety Company Inc., in NH: where coverage is provided and administered by Consumer Program Administrators, Inc., dba Consumer Warranty Program Administrators, in TX: where coverage is provided and administered by Consumer Program Administrators, dba The Administrators of Consumer Programs (TX License #175), in FL and OK: where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051) and in WA: where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

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