Family with a kite at the beach.


Free satellite radio with some auto loans? We're totally Sirius.

There are lots of good reasons to finance a new or used car, truck or SUV at Five Star. Our driver-friendly rates. Our speedy loan processing. Our discounts for scheduling automatic payments. But what if you're buying a used vehicle? You still get all of the above. And if you like to listen to tunes - or follow your favorite team - while driving, three free months of Sirius XM radio** might just seal the deal.

  • Financing for new and used vehicles - includes motorcycles, boats, recreational vehicles and personal watercraft
  • Competitive rates
  • Flexible payment terms that help keep your monthly budget under control
  • Get fast loan pre-approval so you'll know your budget when you start shopping
    Receive 0.125% rate discount when you schedule automatic monthly payments from your checking account with autopay.*
  • Get three months FREE of SiriusXM radio** when you finance a pre-owned vehicle through Five Star
  • Our experienced lending team can help you see if you can save money by refinancing

Knowing how much car you can afford can be difficult. Our eyes are bigger than our budget. It's very important to understand this so that you have a payment that fits your budget and you don't get into a car that becomes a burden each month. Use the Five Star calculator to make the best decision

Protect Your Vehicle

Vehicle repairs can become costly and quickly break your budget. Five Star offers three levels of Extended Warranty coverage that pick up where the dealer's or manufacturer's warranty leaves off, covering many major parts and common repairs. You can even go to your own mechanic.

Keep your vehicle running smoothly and get help when you hit a bump in the road. Five Points members can purchase a CU Drive America membership, which features free roadside assistance - including jump starts, flat tire changes, lockout services, and fuel delivery if you run out of gas. As a CU Drive America member, you also receive vehicle maintenance benefits like free oil changes, discounts on brakes and more.

If your vehicle is damaged beyond repair or stolen, the insurance payout probably won't cover the entire loan balance. Insurers normally pay only the current market value of your vehicle, less the deductible. This could be thousands of dollars less than your loan balance. GAP coverage pays off the remainder of the loan so you don't have to - and it can be added 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.
For more information, call Five Star's lending department at 888-619-1711 (Option 2). Apply now for GAP Protection.

*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.
Five Star Credit Union is a full-service financial institution with locations in Alabama and Georgia, serving members nationwide.