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.
- Terms up to 72 months, Maximum loan amount $50,000
- Save (.25%) on loan rates with automatic payment
- 24/7 On-line application with instant decisioning
- 24 hour loan turnaround
- Refinancing also available
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Recreation Vehicle Loans
- New and Pre-Owned Boats, motorhomes, campers and trailers
- Maximum Loan $55,000
- Maximum Term 120 months
- 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.
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Prepare for the financial road ahead by participating in an online tutorial, "Drive Away Happy" Receive a special gift for completed tutorials
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Learn how credit scores and credit history impact ledning decisions and can mean a better interest rate
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Financing can be arranged through QCU's Loan Department*
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Parent and students receive personal assistance throughout the application process
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Peace of mind for parents knowing their child is well informed about the financial obligations of owning their first car
*Subject to QCU's underwriting standards
GAP Insurance
GAP (Guaranteed Asset Protection) is an optional insurance with a one-time fee to protect from the gap between your vehicles' book value and the amount owed on your loan in the event of an accident where the insurance company has determined the vehicle is a total loss.
Loan Protection Life Insurance
Complimentary insurance coverages for loan balances up to $15,000 for eligible borrowers. Ask for details.
Disability Insurance
An optional insurance to provide peace of mind in the event of disability. Member is responsible for the first 30 days of payments, at which time the insurance will assume payments.
CarFax Vehicle History Reports
Carfax Vehicle History is an online service that searches a nationwide database and provides a detailed vehicle history report in seconds. Finance your used auto loan through QCU and we'll reimburse you up to $25.00 for your report. Simply present your report payment documentation at the time of your loan disbursement to receive rebate.
