Loans

Consumer Loans*

Enjoy the benefit of choosing from a variety of low interest rate loans to suit your financial needs. Our loan products offer flexible terms, convenient repayment options and competitive interest rates. Some consumer loans qualify for interest rate discounts with automatic payments

Vehicle Loans

• New and Pre-Owned Vehicle Loans
• Up to 100% financing of purchase price or book value (whichever is less)
• Loans available for cars, trucks, motorcycles, and snowmobiles. 
• Save (.25%) on loan rates with automatic payment
• 24/7 On-line application with instant decisioning
• 24 hour loan turnaround
• Refinancing from other financial institutions available. 
• Take advantage of AutoSmart, a free online vehicle shopping and research website.
• Ask about our Car Fax and Registry of Motor Vehicle Reimbursement Programs.   

Complete an online loan application for a fast loan turnaround!

Our Loan Reps work quickly to process completed application to get you in your new vehicle.

If you are an existing QCU member here's what you will need to complete your application:

• Photo ID
• Insurance Binder with QCU listed as Lienholder
• Recent paystub or most recent tax returns if self-employed or using rental income to qualify
• Purchase and Sales Agreement from the dealer

Not a Member yet? Click here for our online Membership Application or visit us to become a Member. You don't need to be a QCU Member to apply for a loan. Primary Share account of $5.00 will be required upon loan approval and loan disbursement.

Refinancing from another institution?

• Please include a copy of the auto registration
• Payment coupon or Account number at other institution

                                                         Apply Now!  

     Recreation Vehicles

• Recreation Vehicle Loans
• New and Pre-Owned Boats, motorhomes, campers and trailers
• Maximum Loan $55,000 
• Boat loans must have a title if over 14 feet. UCC form filed if under 14 feet
• Rate is fixed for term of loan

Members with vehicle or recreational vehicle loans must carry full coverage insurance for the term of the loan.

First-time Auto Buyers Program

Kids, driving your parents crazy about a new car? Parents, worried about the responsibilities of car ownership for your child? At QCU, we know how important it is to teach financial responsibility early on. That's why we are pleased to offer a First-time Auto Buyers Loan to our members ages 18-21.

• Prepare for the financial road ahead by participating in an online tutorial, "Drive Away Happy" Receive a special gift for completed tutorials
• Learn how credit scores and credit history impact ledning decisions and can mean a better interest rate
• Financing can be arranged through QCU's Loan Department*
• Parent and students receive personal assistance throughout the application process
• Peace of mind for parents knowing their child is well informed about the financial obligations of owning their first car

*In accordance with QCU underwriting guidelines. Rate, term and approval amount based on credit worthiness. Speak to a Loan Representative for more information. Membership eligibility requirements apply. Quincy Credit Union is pleased to offer financial products and services to people who live or work in Norfolk, Plymouth counties and Dorchester. A $5.00 Primary Share Account is required for Membership. Click here

Membership eligibility requirements apply. Quincy Credit union is pleased to offer financial products and services to people who live or work in Norfolk, Plymouth counties and Dorchester. A $5.00 Primary Share Account is required for Membership. Click here for additional membership information.