Funds When You Need Them for Making Dreams Come True

Cars, RVs & Boat Finacing – New & Used | Fortera Credit UnionOur business is to provide loans to fit your needs with a process that is simple and convenient. You will find borrowing money to fund your dreams is easy at the Credit Union with:

  • No pre-payment penalties
  • No application fees
  • All loans are simple interest - you only pay interest for the time you borrow the money
  • Additional Loan Resources


Auto Loans

When you're ready to buy a new or used car, truck or van, turn to Fortera Credit Union for competitive interest rates and terms that fit your budget. Finance up to 100% on new cars. You can save time by getting your financing before you go shopping to have the extra bargaining power of a cash buyer!  We also offer these great features:

  • Up to 90 days with no payments*
  • Auto Pay Advantage - Discounts are available for some loan types when payment is received automatically from a Fortera account.

*Interest will continue to accrue during the deferral period. Membership eligibility required. Restrictions apply. Contact Credit Union for details.

Member Auto Center

Time for a new vehicle? We can help!

Fortera Credit Union has partnered with Member Auto Center to provide members a one-stop shopping experience through the Fortera Credit Union Local Dealer Network program. Through our Member Auto Center car buying website, members will be able to shop a variety of new and used local dealer inventory. Members can research and view over a thousand local dealer vehicles. Once you have found the vehicle of your choice, simply inquire by clicking “Credit Union pricing”.  

As you start your shopping experience with us, be sure to submit your loan application before you visit the dealership.  The first step to a great rate is found under the Car Financing tab labeled loan application.  If you don’t find the car you’re looking for, make sure to use the car builder feature to build out your desired vehicle.  This feature will provide you with all the vehicle options along with the Manufacturer Suggested Retail Price.

In addition, there is access to trade-in information, a car buying advice section, payment calculator, and of course all participating local dealer contact information. Make sure to ask for the preferred dealer contact, as these individuals work exclusively with our members to ensure a terrific experience and competitive pricing.   

To get started just click here!

Recreational Vehicle Loans

To finance Boats, Motor Homes/RVs, Motorcycles, Trailers/Campers, All Terrain Vehicles (ATVs), and Jet Skis, check with us for low loan rates before going to the dealership!

Personal Loans

Just your signature as a promise to repay makes this loan a great way to borrow those extra funds. There is no application fee, competitive low rates, and easy access to your funds.

Debt Consolidation Loans

Simplify your finances with a debt consolidation loan from Fortera Credit Union and save money every month when you roll your high-interest rate loans into one manageable payment. This loan comes with competitive rates, no application fees, and no pre-payment penalties. All loans are a fixed-rate with simple interest so you only pay interest for the time you borrow the money.

Savings Secured Loan

Utilize money you have in a share certificate as collateral for a personal loan. It can lower the rate you pay on the loan, while you continue to earn interest on your investment. 

Personal Line of Credit

Ideal when you need cash for a vacation or unexpected expenses, your line of credit will have a competitive low rate and check writing privileges.

Apply Online

Ready to apply? It's fast, easy and secure. Click here to apply now!

Apply by Phone

Call 931.431.2258 today to speak to one of our knowlegable Loan Agents.


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Loan Resources

Credit Life, Disability and Unemployment Protection

Knowing how important it is to ensure that you and your loved ones are financially secure even if the worst were to happen, you may want to consider adding the MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help the most to make your loan payment should you become disabled due to a covered illness or injury, become unemployed, or should you die before paying off your loan. Payments continue until you return to work, the loan is repaid, or you reach the policy maximum.

MBI and GAP Protection Plans 

Protect your vehicle investment with MBI (Mechanical Breakdown Insurance) and protect your finances with GAP (Guaranteed Auto Protection) plans. You'll get all the coverage you need at a price that is lower than most dealership plans.

Payment Protection Plan 

Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums. Click to learn more.

First-Time Borrowers Program 

To help our members establish a good credit history without a co-signer, first-time borrowers may choose from one of the following products:






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