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Auto Loans

Whether you're interested in buying a new or used car, your first stop should be R.I.A. Federal Credit Union.

Apply for your pre-approval so you have extra negotiating power the moment you walk onto the lot.


  • New or used
  • Easy repayment terms
  • Low rates*
  • Flexible terms
  • Easy application process
  • Local decision making
  • Quick approvals**
  • Pre-approval available**
  • Pay by DANA Phone Banking, payroll deduction, or automatic transfer
  • Mechanical Breakdown Protection (MBP)
  • Extended insurance options
  • Federally insured by NCUA
  • Must be a credit union member to receive a loan
Take a look at our rates.

*Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
**Loans are subject to credit approval. Restrictions may apply.

Verify my Insurance

Need to verify your vehicle has insurance? You can now do this online by clicking here.

Get pricing and other helpful information at

Insurance Options

GAP Insurance

If your vehicle is lost or stolen, your primary insurance company settlement can be significantly less than the outstanding loan balance. GAP insurance covers the difference between what your insurance company pays and what you actually owe.
  • Low cost protection
  • Fully refundable in the first 60 days
  • Down payment assistance toward replacement vehicle
  • Covers insurance deductible up to $1,000
  • Protect your credit
  • Peace of Mind

Debt Protection

If there’s one thing that’s certain about the future: It’s unknown. That’s why it’s good to know that you can have a cushion in case something happens that prevents you from keeping up on your expenses.

RIAFCU offers a product called Debt Protection designed to protect your loans in times of personal or professional crisis.

Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment plus:

  • Low Cost
  • Coverage up to age 70
  • Available for most Consumer, Closed-End Second Mortgages and Home Equity Lines of Credit loans
  • Death coverage up to $75,000

Route 66 Warranty

In many cases, new vehicles are purchased for the peace of mind that a manufacturer's warranty is provided. However, most new car warranties expire at 36 months or 36,000 miles.
If you can't justify new car prices you may purchase a used vehicle that may or may not carry a warranty. One major repair, not under warranty, can turn a used car bargain into a bad investment. That’s why R.I.A. Federal Credit Union is proud to provide you with Route 66 Extended Warranty. Route 66 Extended Warranty was designed to cover most vehicles regardless of year and mileage. You can have peace of mind knowing that you can travel anywhere in the United States and be protected against major mechanical expenses with NO DEDUCTIBLE on covered parts or labor. Depending on the year and mileage of your vehicle the system will pick the right package for you at competitive prices. All packages include:
  • 24/7/365 Emergency roadside service
  • Rental vehicle allowance
  • Battery coverage
  • Total loss refund option
  • $0 Deductible on all plans
  • Nationwide coverage
Please contact us for additional details.

Check out our TruStage Auto Insurance Program