Purchasing a new or used vehicle is one of the larger purchases you will make. It takes time to find the right vehicle. Let Five Star handle the financing so you can concentrate on finding your dream vehicle. The friendly Five Star loan representatives will find a price that works for your budgetary needs and not just put you in a good monthly payment. Rates begin as low as 1.99% (APR)*. Download this car buying worksheet to help as you navigate purchasing your vehicle. It will help you keep everything in front of you and organized.
Now when you finance your pre-owned vehicle through Five Star, you will get three months FREE of SiriusXM radio**. Five Star works with a a number of auto dealers in the 18 counties that it serves. Click the link of preferred Five Star dealers to make your experience much easier.Apply Now - New Auto Apply Now - Used Auto
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.
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 for more Extended Warranty information.
GAP (Guaranteed Asset Protection)
Most People Learn About GAP Risk the Hard Way!
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!
If your vehicle is totaled or stolen, your primary insurance carrier will usually pay only the actual cash value (current market value) of your vehicle less your deductible. This amount could be substantially lower than your loan balance.
The final result is a financial GAP where you must pay the difference between your loan balance and your insurance settlement, which could mean thousands of dollars out of your pocket.
That’s why many owners have chosen GAP (Guaranteed Asset Protection). GAP Coverage helps eliminate the out-of-pocket expense you would incur to pay off your loan should your vehicle be stolen or totaled.
Need GAP added to your car loan? Call Five Star Credit Union’s lending department at 888-619-1711 (Option 2).
What are your chances of having a GAP?
- The “average” new car will lose 60% of its value over 3 years of normal driving, according toAutomotive News.
- The Insurance Information Institute estimates that one vehicle is stolen in the United States every 24 seconds.
- 18% 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 and theft.