Whether you’re purchasing your first car, upgrading to a new model, or refinancing your current vehicle, Fidelity Federal in Delaware, Ohio, offers flexible auto loan options designed to put you in the driver’s seat quickly and easily. Our streamlined application process, competitive rates, and dedicated support make financing your vehicle simple and stress-free. See why drivers across Delaware County and beyond choose Fidelity Federal for their auto loan.
No rate guessing games
Rates can change based on the loan, the vehicle, and credit factors, so we don’t list specific numbers online. Instead, we’ll walk you through your options and share the details you need during the application process.
Low closing costs
We work to keep closing costs low whenever possible. Because fees can vary and may change over time, we’ll confirm exact costs with you before you finalize anything.
A minimum credit score of 660
In most cases, you’ll need a credit score of 660 or higher to qualify.
A “clean title” is required
A clean title means the vehicle has not been officially branded as a major risk due to serious damage or issues. For that reason, we do not finance vehicles with lemon, rebuilt, or salvage titles.
Auto Loan Eligibility and Requirements
Applying for a new or used car loan with Fidelity Federal is easy. Here’s what you’ll typically need to qualify:
- Proof of identification (valid driver’s license or state ID)
- Proof of income and employment
- Vehicle information (make, model, year, mileage, VIN)
- Proof of insurance coverage
- Purchase contract
- Completed credit application (available online, via phone, or at branch locations)
Specific eligibility criteria may vary based on credit history and loan terms.
Frequently Asked Questions About Auto Loans From Fidelity Federal
Credit score requirements can vary based on the loan amount, vehicle, loan term, income, and overall credit history. The best way to know what you may qualify for is to complete an application and let our lending team review your full financial picture. We’ll look at more than just your score and help you understand your options clearly.
Your auto loan interest rate depends on several factors, including your credit history, loan amount, vehicle type, loan term, and current market rates. Because everyone’s situation is different, the most accurate way to find out your rate is to apply or speak with one of our lenders.
Yes, refinancing your current auto loan may be an option. Auto loan refinancing means replacing your existing vehicle loan with a new one, often with the goal of lowering your monthly payment, reducing your interest rate, changing your loan term, or making your payments easier to manage. Refinancing can be helpful if your credit has improved, interest rates have changed, or your current loan no longer fits your budget.
We offer auto loan options for a variety of vehicle needs. Depending on the loan and vehicle details, financing may be available for new vehicles, used vehicles, cars, trucks, SUVs, and other personal vehicles. If you have a specific vehicle in mind, our lending team can help you understand whether it qualifies and what loan options may be available.
Applying for an auto loan is simple. You can start by completing an online application, contacting our lending team, or stopping by one of our local branches. Once we receive your application, we’ll review your information and follow up with next steps.
When you apply for an auto loan, you’ll typically need to provide basic personal and financial information. This may include your name, address, Social Security number, employment details, income information, and information about the vehicle you plan to purchase. If you’ve already chosen a vehicle, helpful details may include the year, make, model, mileage, purchase price, and VIN.
The auto loan approval process can vary depending on your application, the vehicle details, and whether any extra information is needed. In many cases, we’re able to review applications quickly and follow up with next steps soon after you apply.
To help keep things moving, it’s helpful to have your personal, income, and vehicle information ready when you submit your application. If anything is missing, our team will reach out and let you know what we need. We know that buying a vehicle can move fast, so we’ll do our best to make the financing process as smooth and timely as possible.
Still Have Questions?
Apply For an Auto Loan
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