Purchasing a new or used vehicle is one of the larger purchases you will make. It takes time to find the right one. Let Five Star handle the financing so you can concentrate on finding your dream ride. The friendly Five Star loan representatives will find a price that works for your budget and not just put you in a good monthly payment. Rates are changing so lock in the lowest rate possible before you buy. Download this car buying worksheet to help as you navigate the purchase. Things are easier when they are in front of you and organized.
The process to buy an auto or refinance is easy. Hit "Apply Now" below to get started.
Now when you finance your pre-owned vehicle through Five Star, you will get three months FREE of SiriusXM radio**.
Autopay* - Set up autopay with Five Star so your payment is made on time, every time. When you agree to autopay, you are allowing Five Star to deduct your loan payment from your savings account, checking account, or payroll deduction from your direct deposit.
- *Receive .125% rate discount on the loan with autopay. Only new/used auto, motorcycle, RV, watercraft loans, or personal loans are eligible.
Member Tip: Secure your financing with Five Star before you head to the car dealership or lot. This will ensure you purchase the vehicle that fits your budget. Click the apply now button or call 888.619.1711 (option 2).
*Annual Percentage Rate (APR) is subject to change. Your rate will depend on your individual credit score.
** Certain vehicles with factory-installed satellite radios may not qualify for Sirius XM satellite radio service subscriptions as part of the Credit Union Program, including vehicles with active SiriusXM satellite radio service subscriptions, vehicles which have received the SiriusXM satellite radio service (on a trial or paid subscription basis) in the prior 12 months, and/or other vehicles as reasonably determined by SiriusXM in its sole discretion. SiriusXM may at its discretion provide subscriptions to the SiriusXM streaming service or other qualified services to owners of vehicles that do not qualify for satellite radio service
subscriptions and/or to owners that do qualify.
Protect Your Vehicle
Motor Club Membership - Five Star members can purchase a CU 
Drive America membership to keep their vehicle running smoothly or to help when you hit a bump in the road. CU Drive America offers roadside assistance including jump starts, flat tire changes, lockout services, and fuel delivery if you run out. As a CU Drive America member, you also receive vehicle maintenance benefits like free oil changes and discounts on things like brakes. Follow this link to get started.
Extended Warranty - Repairs to a vehicle can become costly quick and also break your budget. Five Star offers members’ three levels of extended warranty protection for their vehicle and the best part – it will save you money.
Check out more information on our extended warranty options.
GAP (Guaranteed Asset Protection) - Most people believe that if their vehicle is totaled or stolen, their primary insurance will pay off their loan balance. This may not be true. Don't find out the hard way.
Your primary insurance carrier usually pays only the actual cash value (current market value) of your vehicle less your deductible. This amount could be substantially lower than your loan balance leaving a financial GAP. You are expected to pay the difference.
Call Five Star's lending department at 888-619-1711 (Option 2). The process is quick and easy. You can add it at any time during the life of the loan.
Will You Need GAP?
- The average new car loses 60 percent of its value over three years of normal driving, according to Automotive News.
- The Insurance Information Institute estimates that one vehicle is stolen every 24 seconds in the United States.
- 18 percent of vehicles involved in a collision will result in a total loss, according to CCC Information Services.
- Insurance companies report that every year a half million vehicles are written off as a total loss due to accident, fire, or theft.
