Vehicle Refinance Loan

Refinancing your vehicle loan could result in savings for you. If your current vehicle loan or lease payment with another financial institution is higher than you like, refinancing your vehicle loan may help you lower your monthly payment and keep more money in your pocket.

• 1. Get started
  A few minutes is all it takes! Apply online, visit your nearest branch, or call 800.550.5328.


• 2. Apply
  To start, simply provide your personal information, including name, employment info and social security number. Keep in mind there is a $2,500 minimum loan amount required to refinance an auto loan from another financial institution.


• 3. Provide Your Car Info
  Enter your car make, specific model, and year. We finance new and used cars, trucks, minivans, SUV’s, motorcycles, boats and RV’s.


• 4. Review Your Options
  Review your contract term, rate options and estimated monthly savings based on our preliminary review. If you have your Vehicle Identification Number (VIN), enter it on your application or you can add it after your application is complete.


• 5. Finalize
  We’ll tell you what documents you need to complete the process, and ask you to provide your lender information for your existing loan payoff. Your lender information can be found on your most recent monthly auto loan statement. Virtual Notary, now available.


• 6. Apply Today and Save!
  It only takes a few minutes to submit your application, and you’ll be on your way to pocketing great savings!

First Auto

Are You Ready to Buy Your First Car? If So, Justice Federal Can Help! We make it easy to get up to speed.

Buying a car is one of the most important financial decisions you'll ever make. That decision gets even bigger when you've never done it before. Our goal is to get you into the vehicle – and finance option-that's right for you.

Don't panic, even if you have no previous vehicle buying experience, our First-Time Auto Buyer Program can give you the opportunity to enjoy a vehicle of your own. If you have little, to no credit, and are ready to embark on the purchase of your first car, we offer low rates, manageable terms, and an excellent means to establish your credit history.

Planning is important to prevent surprises when you buy your first car. To make an informed decision, it helps to do a little homework:

• 1. Make a list of your vehicle needs and wants
• 2. Figure out a price range that fits your budget
• 3. Learn about vehicle financing
• 4. Get pre-approved

Get pre-approved for your auto loan and save time! With a pre-approved auto loan, you’ll know how much you qualify for, before you visit the dealership and be able to shop with a check in hand. In addition, you will eliminate the expense and pressure of dealer financing.

Buy your first car! Apply today. With a pre-approval, you can shop with a check in-hand.

Guaranteed Asset Protection Plus (GAP PLUS)

Accidents Happen. Minimize the blow with GAP Plus protection.

There could be a big difference between what your insurance will pay and what you owe on your loan.
Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you are still liable to pay the difference, or the "gap," between your insurer's settlement and your loan balance. Unfortunately, that gap will come out of your pocket for a vehicle that, no longer exists.

Advantages

• chevron_right GAP Plus is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance.
• chevron_right GAP Plus can save you from making loan payments on a car, truck, or other vehicle that's beyond repair, or stolen and not recovered.
• chevron_right GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle, where allowed by law, and when financed by the Justice Federal Credit Union.

Fully Refundable

GAP Plus is fully refundable if you cancel the coverage within the first 90 days.

Enrollment

You may enroll in GAP Plus when you apply for your vehicle loan or by contacting us at 800.550.5328.

New & Used Motorcycle Loans

Loans aren’t just for boring stuff. We offer loans for new or used motorcycles to get you out on the open road. A loan has never been this much fun!

Borrow up to 115% of the purchase price on a new motorcycle.** On a used motorcycle we'll finance the purchase price or up to 115% of the average retail price as listed in the NADA guide,** whichever is less, when purchased from a dealer. A minimum loan amount of $2,500 is required.

How it Works: Just 3 Easy Steps
1. Apply Online, In Person or On the Phone — it’s fast and free.
2. Once approved, receive your loan package by mail as soon as the next day.
3. Make the Auto Draft payable to the dealer and drive away!

Virtual Notary, now available.

New & Used Boat & RV Loans

Borrow up to 100% of the purchase price on a new Boat or recreational vehicle. On a used boat or recreational vehicle, we'll finance the purchase price or up to 100% of the average retail price as listed in the NADA guide, whichever is less, when purchased from a dealer. A minimum loan amount of $2,500 is required.

How it Works: Just 3 Easy Steps
1. Apply Online, In Person or On the Phone — it’s fast and free.
2. Once approved, receive your loan package by mail as soon as the next day.
3. Make the Auto Draft payable to the dealer and drive away!

Virtual Notary, now available.