Veritas Federal Credit Union

Auto Loans

Apply ι Refinance ι GAP

Apply for a New or Used Auto Loan

Maximize your car-buying power with fixed, competitive rates. Whether you're buying from a dealership or individual, our easy online application gives you a quick approval. Email for additional details.

Refinance* Your Current Auto Loan

Bring your auto loan to VFCU for low rates and a great money-saving opportunity. Apply online, and in just a few minutes, you'll be on your way to lowering your monthly payments. Plus, there's no refinance charge. Email for additional details.

Used car - consult NADA/Kelly Blue Book for retail vaule to calculate maximums
84 month car loan - add 1% to auto rate for A+ and A members only

Guaranteed Asset Protection (GAP)

If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan "gap"—money you owe on the loan after the insurance company pays its portion. GAP covers the difference between the outstanding loan amount and the actual cash value and covers up to $1,000 of your deductible.

Note: GAP cannot be transferred from one vehicle to another. GAP protects up to 125% of the actual cash value of the vehicle.
For new loans: GAP can be added during the initial online loan application process, or within 30 days of closing, in person at a branch, or by phone.
For existing loans: Call us at 1-855-663-8328.

Veritas Federal Credit Union
One Nissan Way
Franklin, TN 37067

Mailing Address:
PO Box 2659
Smyrna, TN 37167

Main Phone: (615) 786-0452
Member Service: (855) 663-8328
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Routing Number: 064182605
VFCU NMLS #409723
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Fee Schedule

    - Share Accounts
    - Checking
    - Certificates
    - IRAs
    - ATM/Debit Cards
Other Services:
    - Stop Pay Requests
    - Wire Transfers
    - Direct Deposit
    - Convenience Services

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NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.