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Buying A Car
Putting You In The Driver's Seat
There’s no bigger thrill than driving your own car. For many, it’s the first taste of true independence. So when you’re ready to buy a car, new or used, Grow is ready with an auto loan that fits. You’ll get easy financing, preapprovals so you can shop with confidence, and low rates. Apply for a loan with us to get preapproved in as little as 60 seconds, and take that to any dealer anywhere in the country. You can also buy select pre-owned vehicles for as low as 0.0% APR¹ from Grow through CU Auto Branch, a dealership dedicated to credit union members.
Vehicle Loans Rate Type Terms APR New & Used Cars, Trucks and Vans Fixed Varies As Low As 3.74%2 New & Used Watercraft Fixed Varies As Low As 7.5%3 New & Used RV Fixed Varies As Low As 5.0%4 New & Used Motorcycles Fixed Varies As Low As 8.0%5 New & Used BMW, Ducati, Harley Davidson & Triumph Motorcycles Fixed Varies As Low As 7.75%6
Annual Percentage Rate (APR). The loan rates quoted are effective 4/15/2019 and are subject to change. Subject to credit approval.
1Fixed rates for pre-owned vehicles owned by Grow range between 0% APR and 14.74% APR. The rate you receive is determined by your credit history, year of the vehicle, and term of the loan. This special financing rate only applies to Grow Financial pre-owned vehicles sold through CU Auto Branch. Some restrictions apply. CU Auto Branch is not an affiliate of Grow Financial Federal Credit Union. The rates quoted are effective 4/15/2019 and are subject to change.
2Fixed rates for vehicles range between 3.74% APR and 14.74% APR. The rate you receive is determined by your credit history, year of the vehicle, and term of the loan.
3Fixed rates for watercrafts range between 7.5% APR and 10.0% APR. The rate you receive is determined by your credit history, year of the watercraft, and term of the loan.
4Fixed rates for RVs range between 5.0% APR and 9.0% APR. The rate you receive is determined by your credit history, year of the RV, class, and term of the loan.
5Fixed rates for motorcycles range between 8.0% APR and 10.0% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.
6Fixed rates for premier motorcycles range between 7.75% APR and 10.25% APR. The rate you receive is determined by your credit history, year of the motorcycle, and term of the loan.
Dealing With Dealerships
Car shopping is exhausting, we get it. Which is why we have 900 dealership partners across six states. That means wherever you are, we’re helping ensure you get a great rate and loan, even when we’re closed.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Subject to credit approval.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733