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Auto Loans at Bragg Mutual FCU

Drive away with competitive rates, flexible terms, and local service you can count on. Whether you’re buying new, used, or refinancing, Bragg Mutual FCU is your trusted partner for auto financing.
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Financing for New & Used Vehicles

Your vehicle should fit your lifestyle—and your budget. Whether you’re planning a purchase or looking to refinance, Bragg Mutual makes the process simple, fast, and affordable.

Apply for pre-approval before heading to the dealership, or let them know you want to finance through Bragg Mutual FCU when you’re ready to sign. Already own your car? Ask us about refinancing options to potentially lower your monthly payment or interest rate.

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BMFCU Auto Loan Details:

  • Financing Available Up to 100% of Vehicle Value
  • Terms Up to 84 Months for New Vehicles
  • Terms Up to 72 Months for Used Vehicles
  • Optional Protection Plans Available, Including GAP & Mechanical Repair Coverage
Smiling woman in a car gives a thumbs-up out of the window. Bright daylight reflects on the vehicle, indicating a positive, cheerful mood.

Guaranteed Asset Protection (GAP)

GAP coverage helps protect your finances if your car is ever totaled or stolen and your loan balance is higher than your insurance payout.

It may reduce or even eliminate your remaining loan balance—and even help buy your next vehicle.

Submit GAP Inquiry

GAP Highlights:

  • Covers the "gap" between what you owe and what insurance pays
  • May reduce your loan balance by $1,000 toward your next vehicle
  • Deductible Assistance available for non-total-loss damage
  • Can be added to most Bragg Mutual auto loans

Exclusive GAP Plus

With GAP Plus at Bragg Mutual FCU, you can also receive Deductible Assistance, which applies your insurance deductible amount (up to the program limit) directly to your loan balance if your car is damaged but not totaled.

GAP Plus Inquiry
A mechanic in blue overalls inspects the underside of a white car lifted on a red hydraulic lift in a spacious, bright garage, evoking a sense of professionalism.

Mechanical Repair Coverage (MRC)

Unexpected repairs can hit hard, especially as your car gets older. MRC protects against costly repairs and helps keep your vehicle on the road without draining your budget.

Choose from multiple coverage levels and deductibles to match your needs.

Submit MRC Inquiry

Benefits on Covered Repairs:

  • Only Pay Your Chosen Deductible ($0, $100, $250, or $500)
  • Rental Reimbursement Up to $35/Day for Up to 5 Days (Up to 10 with Parts Delay)
  • 24/7 Emergency Roadside Assistance Up to $100/Occurrence
  • Travel Reimbursement Up to $200/Day for 1–5 Days (100+ Miles from Home)
  • Valid at Any Authorized Repair Facility in the U.S. or Canada
  • No Out-of-Pocket Costs Beyond Your Deductible—Plan Pays the Shop Directly
  • Transferable if Sold Privately (May Increase Resale Value)
  • Cancel for Full Refund Within 60 Days (If Unused)*
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Car Buying Programs & Assistance

We make it easier to shop, finance, and drive away in the right vehicle. Whether it’s your first car or your fifth, Bragg Mutual offers services designed to simplify the entire process.

BMFCU Auto Buying Service

Take the guesswork out of the buying process. With pre-approval from Bragg Mutual, you’ll have confidence and clarity before you shop. Get fast approvals, low monthly payments, and the convenience of automatic payments from your Bragg Mutual account.

  • Up to 100% Financing
  • Affordable Rates & Terms
  • Pre-Approval in Minutes

First-Time Auto Buyer Program

Buying your first car? We make it easier to get started with low rates and flexible qualifications.

Even if you have limited credit history, we’ll work with you to get you into a reliable vehicle with terms you can afford.

First-Time Program Features:

  • Competitive Rates for First-Time Buyers
  • College Degrees May Count as Work Experience
  • Fast, Friendly Lending Support

We’re Ready to Answer Your Questions

Didn’t see the information you’re looking for or have additional questions? Bragg Mutual is ready to help answer your questions and provide the info you need.
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*All loans subject to credit approval. Full insurance coverage is required. Restrictions may apply based on property and loan terms. Equal Housing Lender.

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