Are you buying a new or used car?  Or looking to refinance a car loan for a lower rate? Qside Federal Credit Union can help you finance that car
today with some of the lowest rates around.

Be sure to view our News & Promotions for current car loan discounts and promotions.  


Auto Loan Features:

• New, used or refinance
• 100% financing available
• Terms of up to 60, 72 or 84 months
• Some of the lowest rates around 
• No pre-payment penalties
• Receive a 0.50% APR discount* when you pay off your car loan using Payroll Deduction. Ask us about payment scheduling and the potential for additional savings and discounts.  
• Borrowing limits based on your individual creditworthiness  
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow  
• Optional Credit Life and Disability Insurance
• Optional GAP coverage
• Calculate your monthly car loan payment
    

Car Insurance Requirements

Members are required to maintain Comprehensive and Collision insurance coverage on their car for the duration of their Qside car loan term.  To ensure that car collateral is protected, Qside monitors its Auto Loans for proper coverage.  Requirements for your insurance policy: 

• Qside Federal Credit Union must be included on the policy as a lienholder or loss payee
• The car must be insured for both Comprehensive and Collision coverage
• ‘Comp and Collision deductibles’ cannot exceed $1,000
• Coverage must be maintained until the car loan is paid in full

Guaranteed Asset Protection (GAP)

Qside’s GAP coverage protects members against potentially high-cost, out-of-pocket expenses in the event that their car is stolen, accidentally damaged beyond repair or otherwise declared a total loss.  Under these conditions, GAP pays the difference between the amount of your Qside car loan and the insurance company’s estimated cash value of the vehicle at the time of the event.

Qside offers GAP coverage at costs that are usually significantly lower than GAP coverage offered by auto dealerships.   Talk to your loan representative about how much you could save if you opt to purchase this valuable coverage from Qside.



*If Payroll Deduction is discontinued, your APR will increase by 0.50%.  The lowest APR that Qside will grant is 3.5% APR, including any payroll deduction discounts.