Title/Collateral Loans

as low as 7.05% APR

Need quick access to cash but want to keep your payments affordable? At Rolling F Credit Union our Title/Collateral Loans let you borrow money using your paid-off vehicle as security. You may be eligible to borrow up to 100% of your cars equity. This gives you the benefit of quick cash with lower rates compared to an unsecured loan. All while you get to keep and drive your car.

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Loan Rates

How Title/Collateral Loans Work

  • Use your vehicle’s title as collateral for the loan.
  • Continue driving your car while making low, fixed monthly payments.
  • Once the loan is paid off, your title is returned free and clear.

Example: If you borrow $5,000 at 7.05% APR for 36 months, your monthly payment would be approximately $154.50, with a total repayment of $5,562. Imagine the possibilities!

Benefits of a Collateral Loan from RFCU

  • Competitive Low Rates – Because your vehicle secures the loan, you’ll enjoy lower interest rates than many personal loans or payday lenders.

  • Keep Driving Your Car – You maintain full use of your vehicle while making payments.

  • Flexible Loan Options – Borrow the amount you need with repayment terms that fit your budget.

  • Credit-Friendly Solution – Great for members who may not qualify for unsecured loans.

  • Trusted Local Lending – We’ve been serving the community since 1948, and we know how stressful having your car’s title on the line can be. That’s why at Rolling F, we’re dedicated to listening to your needs and finding the plan thats right for you.

A Smarter Way to Borrow

Collateral (Title) Loans from Rolling F Credit Union are a safe, affordable alternative to high-cost lenders. With our member-focused approach, you’ll get the money you need at a fair rate—without the hidden fees or stress.

FAQ

Are There Any Fees or Car Specifications?

As long as you own the title to your car and are a Rolling F member, you are eligible for a loan based off of your car’s equity.

You can potentially borrow up to 100% of your car’s equity.

However, we will do an initial inspection of the vehicle before any loan is made in order to confirm that the value of the car is appropriate, and that the title is valid.

Any payments you make towards your loan will be reported to the Credit Bureaus that determine your personal credit score. This means making on-time payments will help raise your score.

Your car is safe so long as you continue to make payments towards the loan. Our low and flexible rates guarantee your payments will be tailored to what works best for you.

Consider a Loan Protection program if you have any worries about the future of your payments.

Loan Protection Gives You Peace of Mind

The Rolling F loan protection products are designed to help you overcome any hardships that may come your way.

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with Debt Protection.2

Ask to add Debt Protection when you visit The Rolling F.

Save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.

Learn More

Don’t get caught in an accident
without GAP Advantage with PowerBuy. If your car is totaled in an
accident, GAP pays the difference between what you owe and what the
insurance company says the car is worth.

Call in and ask our Member Service Specialist for complete details.

This page has been read and reviewed by the Rolling F Loan Department

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