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Amplify FCU
PO Box 85300
Austin, TX 78708
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Finance your new car or truck with an Amplify auto loan

Enjoy the Ride

AUTO LOANS

Finance or refinance your vehicle

Finance your new car or truck with an Amplify auto loan

Enjoy the Ride

AUTO LOANS

Finance or refinance your vehicle

NEW AUTO LOAN RATES

  |  (2013 to 2016 Models)

  • Finance new, used, and pre-owned vehicles
  • Fixed rates and no prepayment penalties for paying off early
  • Get pre-approved before you shop, or get direct financing at one of our Preferred Dealerships
  • Make payments online, through Online Banking, Amplify's Mobile Banking App, at a branch, or over the phone
Credit Score 0 to 66 Months
APR1
67 to 75 Months
APR1
76 to 84 Months
APR1
85 to 96 Months
APR1
730 + 2.79% 3.29% 3.79% 5.29%
700 - 729 3.29% 3.79% 4.49% 5.99%
680 - 699 3.79% 4.29% 5.49% 6.99%
640 - 679 5.99% 6.49% 7.49% -
600 - 639 9.99% 10.49% - -
< 600 15.99% - - -


USED & REFINANCE AUTO LOAN RATES

  |  (2012 & Older Models)

  • Refinance your non-Amplify loan to save money on interest, lower your monthly payment, or change your term
  • Fixed interest rates, and no prepayment penalties for paying off early
  • Make payments online, through Online Banking, Amplify's Mobile Banking App, at a branch, or over the phone
  • Have vehicle equity? We also do cash-out vehicle refinances
Credit Score 0 to 66 Months
APR1
67 to 75 Months
APR1
76 to 84 Months
APR1
85 to 96 Months
APR1
730 + 2.99% 3.49% 3.99% -
700 - 729 3.49% 3.99% 4.69% -
680 - 699 3.99% 4.49% 5.69% -
640 - 679 6.19% 6.69% - -
600 - 639 10.99% 11.49% - -
< 600 16.99% - - -


AUTO RESEARCH CENTER

  |  Know before you buy

Search New & Used Vehicle Listings near you

Search New & Used Vehicles

Browse new and used vehicle listings close to you

Research Vehicles

Research Vehicles

Use this tool to get vehicle specs and find KBB values

Amplify Preferred Dealers near Austin, TX

Austin Preferred Dealers

See which Austin dealerships offer direct Amplify financing

Car Buying Advice from Amplify Credit Union

Car Buying Advice

Check out these tips and articles about car buying and selling

AUTO LOAN CALCULATOR

Use our auto loan calculator to calculate your monthly payment.

AUTO PROTECTION PACKAGES

  |  Cover your assets

Guaranteed Asset Protection (GAP)2
MPOWER™ Vehicle Protection Plan (MMP)
MPOWER™ Vehicle Return Program
MPOWER™ Tire & Wheel Protection
MPOWER™ Paintless Dent Protection
Guaranteed Asset Protection (GAP)2

GAP can be added to eligible auto loans and covers unpaid balances that an insurance policy does not cover in the event of an accident. GAP is not retroactive, but can be added to the loan up to one year after the effective date.

  • Will cover your insurance deductible up to $1,000
  • May be less expensive than other options available
  • One-time fee that may be rolled into your loan
  • Covers up to 125% or 150% (depending on the waiver) of MSRP on new vehicles and the NADA/Kelley retail value for used vehicles
  • May be placed on any vehicle up to $100,000 at origination for up to 84 months
MPOWER™ Vehicle Protection Plan (MMP)
Premium* Platinum* Silver*
Up to 5 model years old Up to 10 model years old Up to 10 model years old
Less than 60,000 odometer miles at time of sale Less than 125,000 odometer miles at time of sale Less than 150,000 odometer miles at time of sale

All of the above plans come with Roadside Assistance**, Rental Car Reimbursement, Trip Interruption, and 3 Deductible Options ($100, $50, and $0). Get 6 months of Vehicle Return Coverage (up to $7,500 maximum benefit) included at no additional cost when a Vehicle Protection Plan (MMP) is purchased.

*Please see contract for complete details. **Roadside Assistance includes towing, jump starts, lock-out assistance, fuel and fluid delivery, and tire changes.

MPOWER™ Vehicle Return Program

This unique vehicle return protection program allows you to walk away from negative equity when life changing circumstances arise such as involuntary unemployment, physical disability, and more.*

Elite Coverage: Includes Life Changing Circumstances, plus Temporary Job Loss, Mental Disability, Critical Illness, and Death due to Critical Illness. Payment relief option available for 6 months. $15,000 maximum benefit, plus coverage up to 84 months.

Standard Coverage: Includes Life Changing Circumstances, plus payment relief options for up to 3 months. $7,500 maximum benefit, plus coverage up to 84 months.

*Please see contract for complete details.

MPOWER™ Tire & Wheel Protection

This protection package replaces tires or wheels due to damage caused by road hazards, as well as the cost of mounting and balancing. Coverage plans are available for 3, 4, and 5 years, and there are no maximum limits on road hazard occurrences.

Services included:

  • Tire and wheel repair or replacement
  • 24/7 toll-free customer service and dispatch
  • Roadside Assistance for spare tire changes
  • Towing to the nearest qualified repair facility (if no inflated spare is available)
  • Nationwide coverage at an authorized repair facility
  • Protection above and beyond the Manufacturer’s Warranty
MPOWER™ Paintless Dent Protection

This protection package helps you preserve that showroom sparkle against minor door dings and dents.

Services included:

  • Programs are available in 3, 4, & 5 year terms
  • No deductible
  • Unlimited repairs using Paintless Dent Repair (PDR) process up to credit card size on exterior body panels
  • Sign and Drive – no out-of-pocket cost or reimbursement necessary
  • Hassle-free scheduling with our nationwide network of 3,000 certified technicians
  • Ease of use, no insurance hassles

FAQs

  |  We have answers

  • How do I finance my vehicle through Amplify from a dealership that doesn’t offer direct Amplify financing?  
  • How do I finance a used vehicle through Amplify that I’m purchasing from a private seller?  
  • What is LTV and why does it matter?  
  • What is GAP Coverage?  
  • What is a cash-out vehicle refinance?  

FEES

Application fee NONE
Closing costs NONE
Prepayment penalty NONE

Amplify’s complete Consumer Fee Schedule located HERE.

TIPS FOR FINANCIAL SUCCESS

  |  Because your financial success is ours



What is GAP Insurance and when do I need GAP insurance?

What is GAP Insurance?

Learn when to say "yes" or "no" to your lender when they ask if you want GAP.

10 Used Car Myths & Mistakes

10 Used Car Buying Myths & Mistakes

Used car lemon laws, take back periods, automatic warranties, and more myths here.

Tips and advice for shopping for a new car

How to Shop for a Car

Here are some tips and questions to ask when shopping for a new car at the dealership.

Things to consider when deciding between a new or used vehicle

New or Used? 7 Things to Consider

We'll help you consider the pros and cons that come with new and used vehicles.

1. APR is Annual Percentage Rate. Loans subject to credit approval. All loan rates based on creditworthiness and may vary. Check with an Amplify Account Management Professional (AMP) to determine the rate for which you qualify. Refer to the auto loan calculator for your total payments.

2. Guaranteed Asset Protection (GAP) is voluntary and not required to obtain credit. We will not consider whether or not you elect GAP in making a credit decision.

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