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Credit union car loans often feature lower rates, flexible repayment terms, and personalized service. At Call Federal, we offer vehicle loan refinance, used car loans, and new auto financing tailored to you.

Yes! Our car loan refinance options are designed to help you lower your monthly payment or interest rate—saving money over time.

There are a few scenarios when refinancing makes sense. Maybe you decide you can pay a little more to own your car more quickly, or maybe you need a lower payment to free up some cash. Whatever the reason for your car loan refinance, Call Federal’s team of savvy lending specialists will make sure you get the best option for … Continue reading →

Call Federal offers 3 free CARFAX® vehicle history reports for our members with a car loan in the works. Submit this form and our team will provide you with what you need.

Call Federal Credit Union offers new and used car loans to our valued members in the Greater Richmond metro area. Here are a few of the highlights: Available for purchase of new or used cars and refinancing loans from other lenders. Get a competitive APR based on your credit history, vehicle age, loan term, and loan-to-value (LTV). Loan terms between … Continue reading →

Yes. GAP covers the difference (or “gap”) between the amount you owe on your car loan and the car’s actual cash value in the event of a total loss or stolen. Ask your Loan Consultant for more details.

Depending on factors like your credit score, you may qualify for financing with terms of 84 months (seven years) or longer.

Many experts suggest putting at least 20% down on a new car and 10% on a used one—similar to a mortgage. Paying more upfront can reduce your monthly payments in the future.

At Call Federal Credit Union, there are three ways to apply for a car loan: an online application, by phone when you call 804.274.1200, or in person at your local branch.