Drive your loan
to AMOCO!

You’re now pre-approved for this money saving offer!

Auto Loan Offer

90 Days,Til First Payment!

We are always looking for ways to save our members money, and now we’re happy to present you with an excellent opportunity to save when you lower your current monthly auto payments. 

  • Optional 90 days until your first payment
Refinance Now

Is Refinancing Right For You?

What is refinancing? If you already have an existing auto loan, you can finance that auto loan again for a more favorable rate.

Why refinance? Refinancing is the right option if you’re looking to lower your interest on a loan. Use our Auto Loan Calculator below to see if you can save money each month or through your loan’s lifetime.

How can I refinance? Click Refinance Now and simply fill out a loan application, and we will help you with the rest!

Refinance Now
Need More Information

Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.

Sample Loan Calculator

This calculator can help you estimate your monthly payment, total repayment, and total interest paid on your loan. Please use the calculator for estimation purposes only. For a more precise payment, please apply with AMOCO.

View our current rates and terms.

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Supplemental Auto Protection

Protect Your Car From The Unexpected.

Your vehicle is not only an investment; it’s your transportation lifeline. That’s why when you purchase a vehicle and auto insurance, it’s important to consider the other great options that will help you if your car is in an accident, totaled, or if it breaks down. At AMOCO, we have you covered with GAP Advantage and Major Mechanical Protection so you can have peace of mind knowing your investment is protected.

  • Guaranteed Asset Protection Advantage (GAP Advantage) - for only $450, this can eliminate or reduce the vehicle's loan balance in the event of a total loss due to an accident or unrecovered theft after the insurance settlement. In addition, members are eligible for a $1,000 advantage towards a new loan when you finance your replacement vehicle at AMOCO within 90 days of the insurance settlement. To purchase GAP, give us a call, or reach out to our loan representatives through Video Banking or stopping by a branch.
  • Major Mechanical Protection (MMP) – The cost of repairing and replacing vehicle parts continues to rise. Through SWBC’s M-Care program, we can help protect our members from costly, unexpected repairs that will keep your vehicle running longer. SWBC’s M-Care offers a full-suite of generous benefits to maximize your protection and minimize the inconvenience of mechanical failure.

Major Mechanical Protection (MMP) Benefits

  • Towing Service
  • Mechanical First Aid
  • Tire Service
  • Delivery Service
  • Lockout Service
  • Key FOB Coverage
  • Dent and Windshield Repair Coverage
  • Plus more!

A member can purchase our MMP Program at any time. To add MMP, give us a call, or reach out to our loan representatives through Video Banking or stopping by a branch.

PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer of credit is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers from this and other companies, call TransUnion at 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write Experian Opt Out Request PO Box 919, Allen, TX 75013.

1Subject to membership eligibility. Offer includes $500 cash back for auto loans over $15,000 or $250 cash back for auto loans over $10,000 that are currently financed at another institution and refinanced with AMOCO during the offer period. This offer excludes auto loans currently financed at AMOCO. The $250/$500 cash bonus is considered interest and will be reported on IRS Form 1099-INT. Optional 90-days ‘til first payment for qualified borrowers. Interest accrues during the payment deferral period. Rates and terms are determined by borrower’s credit qualifications, credit score and credit report pulled by the credit union. Some fees and restrictions may apply. AMOCO reserves the right to adjust or cancel this promotion at any time.

You have been pre-approved for an auto loan from AMOCO Federal Credit Union based on your credit history. This offer is subject to confirming you meet the pre-established criteria for this loan, including certain credit bureau information, the vehicle type, vehicle age and your annual income. If you do not meet the pre-established criteria, we may elect to change or withdraw this offer. This offer cannot be transferred.

1 APR = Annual Percentage Rate. This offer will expire 90 days after the date email was sent.

Auto loans currently financed at AMOCO Federal Credit Union cannot be refinanced with the Credit Union with this offer. Member Loyalty Rate Discounts vary from 0.10% APR up to 0.30% APR and can be applied to new auto loans. Discount cannot be combined with other rate discounts or applied to loans currently financed at AMOCO. Ask an AMOCO representative how you may qualify for a Member Loyalty Rate Discount. Normal lending criteria apply. Not valid with other offers. Program, rates, terms an conditions are subject to change without notice. AMOCO Federal Credit Union membership is required.

2 APRs range from 2.4% to 6.14%. Payment Example: A $20,000 loan at 4.00% APR for 60 months would have payments of $369 per month.

3 Other rates and terms available. Extended terms up to 84 months available for loan amounts in excess of $35,000. The age and/or condition of collateral will also be considered in determining the amount financed and length of terms.

Contact an AMOCO Federal Credit Union representative for additional information.