Family with a kite at the beach.


You've Dreamed about a New Ride. Let's Make It Happen. 

It's always fun to get a new car, truck, or SUV. Financing a new ride at Five Star Credit Union is easy. We have low auto loan rates, speedy loan processing, and discounts for scheduling automatic payments. But what if you're buying a used vehicle? You still get all of the above.

  • 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.*
  • Our experienced lending team can help you see if you can save money by refinancing

Knowing how much of a 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 car payment that fits your budget, and you don't get into a car that becomes a burden each month. Use Five Star Credit Union's financial calculators to make the best decision.

Want to learn more about the loans at Five Star Credit Union? Give us a call or visit us in person at one of our Alabama and Georgia financial centers

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.