Skip To Content
Routing Number: 263181384

Auto Loans

The average American spends more than an hour per day in their vehicle. Enjoy that hour more by getting behind the wheel of a car you love.

Explore the features and benefits of our available auto loans.

New & Used Auto Loans

Take a whiff of that new car smell

  • Maximum term up to 84 months, based on the amount financed and model year
  • Financing available up to 125% of the MSRP/JD Power retail value based on credit score
  • Financing available up to 100,000 miles and 10 years old
  • Extended vehicle warranty available
  • GAP coverage available
  • Payment protection products available

Classic Car Loan

Modern financing for vintage vehicles

  • Maximum loan term is 78 months*
  • Financing available up to 80% of appraised value or purchase price, whichever is less**
  • Payment protection products available

Auto Loan Refinance

Save money. Keep enjoying the ride.

  • Maximum term up to 84 months, based on the amount financed and model year
  • Financing available up to 125% of the MSRP/JD Power retail value based on credit score
  • Extended vehicle warranty available
  • GAP coverage available
  • Payment protection products available

*Based on the amount financed and the model year.
**Certified appraisal required by a classic car appraiser with photos.

Car Dealerships

Addition Financial partners with a wide variety of auto dealerships in the Central Florida area. Whatever make or model you are looking for, Addition Financial has a connection to help make your car buying experience even easier. Once you’ve picked the perfect car and negotiated the best deal, the dealer will complete the application and financing paperwork on the spot.

Find a Dealership
Friendly AFCU employee greeting people

Payment Protection

Establish peace of mind for yourself when you choose to cover your Addition Financial loan with Payment Protection. By adding payment protection to your new loan, you’ll have one less thing to worry about during a period of reduced income due to disability, illness or death.

Learn About Payment Protection
A person enjoys the benefits of Payment Protection

Skip-A-Pay

Need a little extra breathing room in your budget? With our Skip-a-Pay program, you can skip your eligible loan payment for the month and use those funds where you need them most. It's just one more way we're here to support you on your financial journey.

Learn About Skip-A-Pay
Woman considers skipping a payment
The 4 Best Ways to Consolidate Auto Loan Debt
Auto Loans

The 4 Best Ways to Consolidate Auto Loan Debt

There are multiple ways to consolidate debt from auto loans if you want a lower monthly payment or better interest rate.

How to Get the Lowest Auto Loan Rates
Auto Loans

How to Get the Lowest Auto Loan Rates

You’re ready to buy a car and, like most people, you’re wondering how to get the lowest auto loan rate. Here are some pointers to help you qualify for a low auto loan rate before you buy your next car.

Does Auto Loan Debt Consolidation Hurt Your Credit?
Auto Loans

Does Auto Loan Debt Consolidation Hurt Your Credit?

There are several ways in which auto loan debt consolidation can impact your credit score.

You are being redirected to a site out of our control

By clicking CONTINUE below, you will be leaving AdditionFi.com to visit an external website that is not owned or operated by Addition Financial Credit Union. Please note that Addition Financial is not responsible for the content of the external website and does not represent either you or the external website owner/operator in any transaction(s) that may result from your visit to the external website. Further, the external website’s privacy and security policies may differ from those practiced by Addition Financial.