National Police Credit Union Auto Loans

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100% Financing** On New and Used Vehicles

National Police Credit Union can finance up to 100%** of your next new or used car at competitive Auto Loan rates and terms! Plus, we can refinance your existing Auto Loan up to 100%** of the current value of your vehicle to reduce the interest rate or payment.

Check Out Our Low Auto Loan Rates

Write Your Own Ticket!

Write Your Own Ticket!

You don’t need to know what vehicle you’ll be getting, because we will provide you with a “blank” check. To be eligible for a Write Your Own Ticket loan:

  • The vehicle must be a new automobile
  • The financing period cannot exceed 84 months
  • You must have a credit score of 680 or above
  • The amount borrowed cannot exceed $49,999.99 for members with a credit score above 699, and $40,000 for members with a credit score of 680-699

GAP Coverage

Guaranteed Asset Protection (GAP) is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled).

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Applying Is Simple!

Debt Protection

Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty.

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Let's Talk!

Contact us to assist you in securing the lowest Auto Loan or Refinance rate possible for your new or used car, we may even be able to beat your current auto loan rate at another institution!

 Auto loans with National Police Credit Union are easy. We offer immediate loan decisions, with hassle-free online application procedures. We'll always tell you what will save you the most money - even if it's not with us. Don't miss out!

  • Denora Hall / 312 - 499 - 8870 / email
  • Fawn Larsen / 312 - 499 - 8879 / email 
  • Tanya Marquez / 312 - 499 - 8872 / email

Credit Union Interest Rates

Check out our spectacular rates!

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More Great Offers From National Police Credit Union!

Frequently Asked Questions

What is National Police Credit Union's BillPay address?

National Police Credit Union's BillPay Address is: Chicago Patrolmen's Federal Credit Union 1407 W. Washington Blvd., Chicago, IL 60607

What is GAP Coverage?

GAP is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled). Brochures in English and Spanish are available here.

What is Route 66 coverage?

It is the National Police Credit Union's extended warranty option for vehicles.

How Does Write Your Own Ticket Work?

You don’t need to know what vehicle you’ll be getting, because we will provide you with a “blank” check.

What if my Write Your Own Ticket (WYOT) check expires?

If your WYOT check exceeds the 60 day time period allotted, you will need to re-apply for the loan.

The dealership will not accept my Write Your Own Ticket (WYOT) check. What should I do?

You will need to schedule an appointment and have your auto loan disbursed through our conventional method.


4 Simple Tips for Saving Big on Your Next Auto Loan

Are you in the market for a new or used vehicle? With some simple planning, you can be on the way to a painless car-buying experience with National Police Credit Union’s auto loan options!

Here are a few tips designed to simplify the car-buying experience:


1. Shop Around for the Best Auto Loan Deal and the Best Vehicle

Before you start searching for your next new or used car, it is a good idea to obtain an auto loan pre-approval from National Police Credit Union. If you are purchasing a new vehicle, National Police Credit Union can help with our "Write Your Own Ticket" program if you are purchasing a new vehicle. With "Write Your Own Ticket", you can apply and obtain approval for your auto loan before you go to the dealership. When you are ready to make your purchase, you “write your own ticket” using the check provided by the credit union.

Once your financing is secure, it is time to start doing your research - this may seem like the simplest advice of all, but many people do not exactly understand how to “comparison shop.” If you are in a rush, you might miss a perfectly good deal just because you did not take the time to look both online and in person.

Researching a New Car

If you are looking for a new car, visiting dealerships is a great idea. They stock new cars all the time and are incentivized to quickly liquidate inventory. A great resource to begin your search is Also be sure to obtain personal reviews from friends and family who have vehicles similar to the ones in which you are interested.

Researching a Used Car

One way to start researching used cars is to patronize multiple dealerships to discuss your vehicle preferences in person. Bring a roster of “wish list” items and questions to each visit, so you do not forget specific information you would like to cover and remember to jot down information to order to keep a running list of options. is also a fantastic tool for used cars. You can also easily compare vehicles online by looking for the type of car you seek, along with the specific features, mileage, and price points.
Resourceful websites include:

  2.  Kelley Blue Book

2. Save Big by Financing Your Purchase with a Credit Union Auto Loan from National Police Credit Union!

Financing a new car might seem like the hardest part of the car-purchasing process, but it doesn’t have to be when you have the right partner at your side! Check out the competitive rates for new and used auto loans featured at National Police Credit Union. We make the process as simple and painless as possible, while still offering personalized service and unbeatable auto loan interest rates.

3. Consider Protecting Your Investment with an Extended Warranty

National Police Credit Union offers an extended warranty option called the Route 66 Warranty. This warranty includes benefits such as no deductible, nationwide coverage, 24/7/365 roadside emergency service, and more. No matter where you travel, your car will be covered in the event of a mechanical issue. Talk to one of our lending representatives for more information on the many options available for you and your new vehicle.

4. Consider GAP Coverage for when Life Comes at You Fast

If you plan to finance your new purchase, you may wish to consider GAP (Guaranteed Asset Protection) coverage. GAP coverage eliminates the unpaid net loan/lease balance in the event that your car is stolen or totaled, which can save you thousands of dollars!

With good research and careful comparisons, your new or used vehicle can be a wise investment for many years to come. When you shop around for a great auto finance loan rate, that investment can be more affordable than ever!

In the event a vehicle is deemed a total loss, GAP Advantage provides those with GAP coverage a one-time $1,000 reimbursement towards the purchase of a new vehicle. The new vehicle must be financed with the credit union within 90 days of the total loss in order to qualify for the $1,000 payout. A GAP Advantage payout is applied towards the principal balance of the new loan. 

Additional tips on searching for your next vehicle.

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*Rates subject to credit qualification and selected term. APR = Annual percentage rate.

**100% financing includes financing up to the purchase price or NADA guidebook valuation in addition to tax, title and license fees, extended warranties and GAP products.