Auto Loan Features & Benefits
Auto Loans and Loan Rates in the Atlanta Area
Let us help you buy your next car!
Our new auto buying service has been developed to bring our members the ultimate in a car buying experience and convenience. Let us introduce you to your very own auto buying concierge. Ever put off buying because you don’t want to face the dealer hassle? Or, because you have the fear of being over-charged? We’ve got you. Excel has partnered with Auto Assistance, LLC, a premier auto buying service to help our members find the car of their dreams without having to step on the dealer lot. No haggles. No hassles. There is not an additional cost for using this service. Plus, pricing of the autos will be extremely fair, and as always you can count on Excel to provide you trusted financing options, a warranty program, GAP Plus insurance for added security and even debt protection. AND…we can deliver your vehicle to your doorstep saving you time and for the ultimate in convenience. Talk to us. We’ve got you!
Apply for preapproval
When you get preapproved for your auto loan, you know exactly how much car you can comfortably afford, which streamlines your shopping and buying experience.
- Great Rates on New, Used & Refinanced Auto Loans
- Up to $500 Cash Back*
- NO PAYMENTS for 90 Days**
- Flexible Repayment Terms
- Quick & Easy Loan Application and Processing
Shop for your next car
Whether you want to shop for cars yourself, or you prefer a personal assistant to help, our online auto buying service is safe, easy, and convenient for you to use from anywhere you have Internet access.
- Communicate with dealers on your behalf
- Negotiate for you to get you the best deal that fits your budget
- Schedule your next car to be delivered
Protect your investment
A large investment deserves added protection to safeguard against the unforeseen. Whether you include this optional loan protection during the application phase or add to your existing loans here, make sure you’re covered!
- GAP Plus Insurance
- Life Plus Debt Protection
- Extended Warranties via CU Certified Automotive
Auto Loan Rates
We offer superior auto loan rates for our members. Reach out today to learn how we can help you meet your goals.
Auto Insurance Doesn’t Cover Everything
A major accident can leave you owing more on your loan than your insurance covers, but Guaranteed Asset Protection Plus (GAP Plus) can help. If your vehicle is deemed a total loss due to an accident or theft, GAP Plus may reduce or even eliminate the gap between what you owe and what insurance pays out. This protects you from significant shortfalls.
The TLC Your Vehicle Needs to go the Extra Miles
Mileage can add up quickly, but the repair costs don’t have to. EXCEL has partnered with CU Certified Automotive to provide extended warranties as a more affordable option than more costly dealership warranties.
Nationwide protection
24/7/365 emergency roadside assistance
$0 deductible
Rental vehicle assistance
Plans for both new and used vehicles
Choose the plan that’s the right size for you:
• Powertrain – Covers 500+ essential parts like the engine, transmission, transfer case and drive axle.
• Standard – Covers 850+ parts including AC, suspension, steering, brakes, electrical, seals and gaskets.
• High-Tech – Covers 3,000+ parts including additional electrical, ABS, cooling, fuel system, AC, interior/exterior, seals, and gaskets.
• Comprehensive – Our most extensive coverage option. Covers 18,000+ parts and is “exclusionary” meaning it covers virtually all breakdowns except listed exclusions.
Life Plus Debt Protection
Life can get complicated when the unexpected happens. Protecting your loan balance or payments against events like death, disability, involuntary unemployment, or other life events could help safeguard your finances.
Our Life Plus protection option covers additional situations including accidental dismemberment, terminal illness, hospitalization, family medical leave, and more.
Purchasing this voluntary protection won’t affect your loan approval. It simply acts as a safety net, giving you peace of mind by helping to protect your finances even when the unexpected occurs.
New Car Loans and Used Car Loans
Whether you’re looking for a new or used car, Excel FCU has competitive car loan rates you’ll love.
Loans Versus Leases
Auto Loans
• Allow you to finance and purchase a vehicle
• Make regular payments plus interest over loan term
• Own the vehicle at the end of the loan
• Build equity in the vehicle over time
Auto Leases
• Temporary rental agreement
• Lower monthly payments compared to loan
• Do not own the car at the end of lease
• Option to return and lease a new car after term ends
• Will never build equity or own outside of lease buyout loan
Plan For Your New Ride With Our Auto Loan Calculator
Our auto loan calculator provides quick estimates of potential monthly payments based on details you input like vehicle price, down payment, trade-in value, loan term, and interest rate.
Key benefits include:
• Estimate potential monthly payments
• Explore different down payment and loan term scenarios
• See impact of extra principal payments
• Shop and negotiate better with estimate in hand
• Link to get pre-approved with us for accurate personalized quotes
While the calculator provides helpful estimates, connect with Excel FCU to get pre-qualified for a loan. As your local credit union, we proudly offer competitive rates and financing terms exclusively for members.
Who Has the Best Rates for Car Loans?
• Auto loans are available from banks, online lenders, dealerships, credit unions, etc.
• Local credit unions often offer favorable auto loan rates.
The best auto loan rates depend on your financial situation. It’s best to do research before you sign an offer letter so you can compare terms from multiple lenders first. Excel FCU offers special financing options for our members.
What Happens if I Pay An Extra $100 a Month on My Car Loan?
Paying extra each month is a smart move for your auto loan. Making extra payments can help you pay off your loan faster and save on interest charges over time:
• Can shave months or years off the loan term
• Builds your credit score by repaying as agreed
• Good credit opens doors for future lending needs
Consult your loan terms for prepayment policies.
Rates and Terms are based on Excel FCU underwriting criteria. Offers are subject to change without notice. Loans paid off within 60 days will be subject to recoupment. Minimum auto loan amount is $3,000. Existing loans with Excel are not eligible for limited-time promotions.
Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of warranty plan. Mechanical Breakdown Protection is administered by a third-party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.