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Short Terms. Long Terms.On Your Terms.

New & Used Auto Loans

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Maybe it’s your first car purchase (new or used), a car with a little more muscle, one that’s environmentally friendly, or more luxurious — we’ll put you in the driver’s seat with a variety of auto financing options.

Our AutoDraft Is Your Ticket to Buy

Looking for confidence to negotiate the best price on a vehicle that you know you can afford? Look no further than our AutoDraft, given to Members who are pre-approved for a new or used vehicle.

You’ll score a low interest rate loan with no hidden fees. Plus, you’ll know exactly what you can afford. Simply take your AutoDraft to any dealership and purchase like a cash buyer.

  • chevron_right Same great terms as our new and used vehicle loans
  • chevron_right Autodraft is valid for 60 days
  • chevron_right Accepted by any dealership
  • chevron_right Good as cash, which allows you to negotiate your best deal
  • chevron_right Borrow up to 115% of the cost for a new vehicle, and up to 115% of the NADA Car Guide retail value for a used vehicle**
  • chevron_right No penalties for early loan pay off
  • chevron_right Virtual Notary, now available

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!

Vehicle Refinance Loan

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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

woman in a car

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)

happy car owners

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

motorcycle

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

boat

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.

AUTO LOAN FAQs


Find, Drive, and Save!

Finding your next car doesn’t need to be a hassle. Research thousands of new & pre-owned vehicles.

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TruStage

TruStage Insurance Services

As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket, costs for covered breakdowns.

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Legal Disclaimers & Information

*APR = Annual Percentage Rate. Rate as of January 1, 2022 and subject to change without notice. Actual APR will be determined when you apply and will be based on factors including credit history, amount financed and the term of your loan. (1)24 monthly payments of $42.51 per $1,000 borrowed. (2)84 monthly payments of $13.73 per $1,000 borrowed. Other rates and terms available. See Representative for details.

**Down payment may be required based on creditworthiness. 100-115% financing not available to all applicants.

***Interest will continue to accrue. Other rates and terms available. See Representative for details.