AUTO LOANS
Let us help you find the perfect car.
At Maple Federal Credit Union, we believe your past shouldn’t permanently define your future. If you’re working to rebuild your credit, improve your finances, and move forward, we’re ready to help.
Whether you’re buying your first vehicle, replacing an unreliable car, or refinancing a loan that’s costing too much, we take the time to understand your situation, not just your credit score.
Serving Lafayette, New Iberia, and communities throughout Acadiana, Maple helps members find affordable auto financing and a path toward a stronger financial future.
Reliable transportation can open doors to a better job, a shorter commute, more time with family, and greater financial stability.
At Maple, we understand that not everyone has a perfect credit history. If you’re working to improve your finances, rebuilding after a setback, or simply looking for a lender who takes the time to listen, we’re here to help.
Whether you’re purchasing a new vehicle, buying a dependable used car, or refinancing an existing loan, Maple is committed to helping you find a solution that works for your life today—and supports where you’re headed tomorrow.
Many people assume they need perfect credit before applying for an auto loan.
That’s simply not true.
Life happens. Medical expenses, job changes, family challenges, and unexpected setbacks can impact anyone’s finances. What matters most is what you’re doing now.
If you’re making progress, paying down debt, rebuilding your credit, or taking steps toward a stronger financial future, an auto loan can be part of that journey.
At Maple, we believe in looking beyond a number. We focus on understanding your situation, your goals, and how we can help you move forward with confidence.
Our goal isn’t simply helping you buy a vehicle. It’s helping you build momentum.
Why Members Choose Maple for Auto Financing
Competitive rates can help reduce the overall cost of borrowing, leaving more room in your budget for the things that matter most.
Flexible loan terms allow you to choose a payment that works for your budget and your goals.
When you work with Maple, you'll talk to local people who genuinely care about helping you succeed, not an algorithm making decisions from a distant office.
Refinancing your current auto loan may help lower your monthly payment, reduce your interest rate, or save money over the life of your loan.
As a member-focused credit union serving Lafayette, New Iberia, and Acadiana, we're committed to helping our communities thrive.
Yes. Every situation is different, and we encourage you to apply even if your credit isn’t where you’d like it to be. Our team will review your unique circumstances and help you explore available options.
Making on-time payments and managing your loan responsibly can contribute to building a stronger credit history over time.
There is no single credit score requirement that fits every situation. We consider multiple factors when reviewing applications and work with members to find solutions whenever possible.
Refinancing may help lower your monthly payment, reduce your interest rate, or save money over the life of your loan. Our team can help you determine whether refinancing makes sense for your situation.
Yes. You can apply online anytime, or visit one of our branches in Lafayette or New Iberia to speak with a member of our team.
The right vehicle budget depends on your income, expenses, and financial goals. We’re happy to help you explore options that fit comfortably within your budget.
Credit unions are member-owned, which means our focus is on helping members succeed—not maximizing profits. That often translates into personalized service, competitive rates, and a commitment to doing what’s right for our members.
Don’t let a wrecked vehicle wreck your finances.
Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.
Contact us today to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow.
*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.
Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You willreceive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP-2454900.1-0319-0421© CUNA Mutual Group, 2019. All Rights Reserved.
Ready for your new ride?
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