Whether you’re purchasing a new or used vehicle, or are interested in refinancing a current loan with a new lower rate, Qside can help you finance a car today.

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Features:

• Loans for both new and used cars or refinance a current loan for a better rate
• Terms of up to 48 months and 60, 72 or 84 months
• Great low rates
• Receive a 0.50% APR discount* when you pay off your loan using Payroll Deduction, as well as more options for payment scheduling and the potential for additional savings
• Borrowing limits based on your individual creditworthiness
• Pre-Approval available – just begin the application process indicating the dollar amount you want to borrow
• Pre-pay your balance without penalty
• Credit Life and Disability Insurance available
• Click here to calculate your monthly car loan payment
    

Vehicle Insurance Requirements

Members are required to maintain Comprehensive and Collision Insurance Coverage on their vehicle for the duration of their Qside loan term.  To ensure that vehicle 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 vehicle must be insured for both Comprehensive and Collision Coverage
• ‘Comp and Collision deductibles’ cannot exceed $1,000
• Coverage must be maintained until the 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 vehicle 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 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.