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Auto, Motorcycle, RV & Boat Loans

Life keeps you moving throughout Tulare County, California, and beyond. When you're buying a car, truck, SUV, motorcycle or boat, we have the financial answer. Because we're a credit union, we can offer lower auto loan rates compared to banks and other financial institutions.
Your daily commutes and road trips are more enjoyable when you're saving money. Check out our various loan options on new and used vehicles.

In the market for a car, truck or a motorcycle? When you find the one you want, let us handle the financing.

  • Competitive rates
  • First time buyer program
  • Finance up to 100% of the MSRP or Kelley Blue Book value, including tax, license, guaranteed asset protection and mechanical breakdown insurance
  • Terms up to 72 months on loans over $15,000; up to 84 months on loans over $20,000
  • Loans not available for out-of-state purchases or salvaged titles, heavy duty vehicles more than one ton, or any commercial vehicles
  • Member Loyalty discounts available*

When it's time to get out and play, our loans for RVs and boats get you moving.

  • Available for purchases of new and used RVs and Boats
  • Low rates and flexible terms
  • RVs must contain living and sleeping facilities
  • Loans not available for out-of-state purchases or salvaged titles
  • Member Loyalty Discounts available*

Consider how much time you and your family spend in your vehicle, and make sure you're protected by an affordable, top-quality policy. Auto insurance through the TruStage™ Auto & Home Insurance Program lets you enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote or call (855) 483-2149 for additional information.

TruStage™ Auto and Home Insurance program is offered by TruStage™ Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

MAH-1112-7C9E

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Researching vehicles and finding the best deal doesn't have to be a stressful, time-consuming experience. Tucoemas Credit Union partners with Credit Union Direct Lending (CUDL) to make this process easier, allowing you to research and shop through one website.

You'll find plenty of useful tips and advice about buying a new or used vehicle, the importance of credit reports and many other relevant topics. Plus you get access to buyers' guides and services that let you know a fair price for the vehicle you want. All of it is designed to give you more confidence and negotiating power during your journey.

Here's how it works:

Make sure you travel with peace of mind after your manufacturer's warranty expires on your vehicle. With an MBP policy, you'll protect the investment you made in your vehicle and reduce the possibility of major out-of-pocket expenses when you need repairs.

  • Nationwide protection
  • 24-hour roadside assistance for the term of your coverage
  • Rental vehicle assistance
  • Coverage transfers if you sell your vehicle during the term

What is Mercury Mechanical Protection (MMP)?

While it’s similar to a manufacturer’s extended warranty, it may be available on more vehicles and provide additional coverage for more systems. This type of protection can be purchased on top of a manufacturer’s extended warranty or in place of the extended warranty, if the vehicle is not covered.

Mercury Mechanical Protection offers 3 levels of coverage with deductible options:

  • Ultimate
  • Deluxe
  • Select

Extra benefits include:

  • Tire Protection
  • Key Fob Replacement
  • Total loss refund
  • Hybrid/Electric drive battery
  • 24/7 Emergency Roadside Assistance
  • Auto deductible reimbursement 
  • Trip Interruptions

**See policy for complete list of coverage and exclusions

Get a free quote

What is GAP and what does it cover?
GAP helps cover the difference between the actual cash value of the vehicle (primary insurance company settlement) and the outstanding loan balance at the time of the loss.

Additional features:

  • Receive a $1,000 deduction toward you next auto loan financed with us.

  • Auto Deductible Reimbursement (ADR) 3 year with GAP: pays up to $500 per loss (unlimited claims per year) when claim is filed and paid with primary insurance carrier. Product covers the vehicle purchased AND ALL OTHER vehicles the member owns AND insures. Refer to program card for more information.

  • Personal ID restoration consulting

  • Warranty registration service

  • For more information please visit or contact our loan department.

    Member Loyalty Discounts:* A 0.25% rate reduction is available when you sign up for automatic payment from a TUCOEMAS checking account. A 0.25% rate reduction is available if loan to value is 85% or less. A 0.25% rate reduction is available for Loan Loyalty. Discount not available on Credit Cards, Signature, Signature Home Improvement, Share or Certificate Secured Loans. Contact CU for further details.
     *Loan Loyalty: must have existing TUCOEMAS loan/credit card OR prior TUCOEMAS loan/credit card appearing on credit report at time of new loan and paid as agreed. 

    One-stop Car Buying Services

    Your one-stop car buying service:

    If you need car buying or leasing services, our partners at Direct Auto Sales & Lease can help you find your new car. They’ll take care of the negotiation with the dealership and will deliver your car to your home, all by phone or email.

    1. Choose your car make, model and color 
    2. Apply for an Auto Loan online, or visit a loan officer at any of our branches.
    3. Call Dan Del Campo at  (559) 304-8749
     
    Dan will find and negotiate the best price for your new car and deliver it to your home!