Drive your loan

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

Car Buying

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. 

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!

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.

Calculate your payment

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.


Estimated Monthly Payment


Total Repayment Amount


Total Interest


Original Loan Amount


Sample Annual Percentage Rate (%)


Term (Months)

Supplemental Auto Insurance Protect Your Car From The Unexpected

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.

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; or write Experian Opt Out Request PO Box 919, Allen, TX 75013.

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 3.74% to 13.99%. 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.