Affinity Federal Credit Union | Auto Loans Solution

Shop Protect FAQs Products

Middle aged man happy his car loan is pre-approved

Buying a Car?

We’ll help you every step of
the way.

Get pre-approved

Know exactly what you can afford
with a free pre-approval good for 45
days.

Young man holding the keys to his new car

Buying a Car?

We’ll help you every step of
the way.

Shop without
the hassle

Find your vehicle
with Costco,
lose the stress.

Buying a Car?

We’ll help you every step of
the way.

Protect your
purchase

For greater
peace of
mind on the road.

Affordable Auto Loans

Or refinance your auto loan from another lender and save money

Low rates

0.25% APR^* rate discount
for automatic payments¹

Flexible Repayment
Options

No application fees or
prepayment penalty

Apply Now

See Rates

Get a great deal through Costco® Auto Program.

Low, prearranged pricing on
new and pre-owned vehicles

Get a Costco Membership or
$50 Costco Shop Card²

Stack your savings with
manufacturer incentives

Access discounts on parts,
service and accessories

Start Shopping

Looking for a great deal on a used vehicle? Shop with Enterprise.

Enterprise will make your first payment up to $400³ and give you Kelley Blue Book^® Trade-In Value⁴ on your vehicle.

Find Your Next Car

Father looking into the car window at his young daughter

Toddler boy kissing his mother as she puts him into a child car seat

A young family loading up their car for a vacation

A young woman walking looking at the available cars at a dealership

Protection for the road ahead

Guaranteed Asset Protection (GAP)

Stay financially protected if your financed vehicle is ever stolen or totaled.

Details

Get a Quote

Mechanical Breakdown Protection

Breakdowns happen. We’ve got you covered.

Details

Get a Quote

Debt Protection

New challenges can make it hard to keep up with loan payments. This coverage is designed to help.

Details

Get a Quote

Auto Insurance

Get the coverage you need at an affordable price.

Details

Get a Quote

FAQs

Need more information? We have you covered.

What are the benefits of getting pre-approved?

Well, it’s FREE, for one. And getting pre-approved simplifies the process of financing a car and makes it easier to negotiate a better sales price. With pre-approval, you confidently walk into the dealership knowing how much car you can afford, your interest rate and loan term.
Show More…

Plus, your pre-approval from Affinity is valid for 45 days, so you have plenty of time to research vehicles, locate a dealer, and take advantage of no-haggle pricing through our Costco Auto Program.

What is Guaranteed Asset Protection (GAP)?

Guaranteed Asset Protection, or GAP, is low-cost coverage* that helps you pay off your auto loan by protecting you from the “gap” between your vehicle’s depreciated value and the amount you still owe if it is totaled or stolen.
Show More…

Benefits of GAP through Affinity:

Low-cost protection that is typically much lower than what a dealer charges
Covers up to $1,000 of the borrower’s deductible
Receive $1,000 toward your replacement vehicle if you finance with Affinity within 90 days of the loss
All vehicles the primary borrower owns and insures are eligible for the deductible reimbursement

Get a Quote ›

*Subject to limitations and exclusions. Please consult your Affinity financing representative to determine if your vehicle is eligible for coverage.

What is Mechanical Breakdown Protection?

Breakdowns happen, but breaking the bank doesn’t have to! With Mechanical Breakdown Protection from Affinity, you get added protection from unexpected expenses resulting from covered mechanical or electrical failures.
Show More…

Added benefits include 24/7 towing and emergency roadside assistance, as well as rental reimbursement. Keep your new or used car covered against breakdowns long after the manufacturer’s warranty expires.

Get a Quote ›

What is Debt Protection?

It’s like a safety net for you and your family! An unexpected job loss, death or disability can lead to a heavy financial burden. Safeguard your loved ones against these types of events and ensure loan payments are made on time.
Show More…

Under Affinity’s Debt Protection program, your entire loan balance may be canceled or your monthly loan payments may be canceled without penalty or added interest. You benefit from peace of mind knowing you and your credit rating are protected.

Get a Quote ›

What auto insurance coverage do you offer?

See how much you can save! Affinity offers auto insurance through our affiliate, Members Alliance Insurance, so we can help you shop around and compare prices from many of the leading insurance companies to ensure you get the coverage you need at a great price.

Get a Quote ›

Do you offer RV and motorcycle loans?

Yes, We Do! Affinity offers loans for RVs and motorcycles. You can even get exclusive prearranged member pricing on RVs through our Costco Auto Program.

Apply Now › View Rates ›