All FCFCU offices will be CLOSED on MONDAY (11/12) in observance of Veterans Day. Online and mobile banking are always available for your convenience.

Express Auto PreApproval

Looking for the advantage of negotiating like a cash buyer and the convenience of an auto loan? In four simple steps, you can receive a blank "check" to take with on your  next car shopping trip.

  1. Apply - online, in-person or call us at 610.821.2403
  2. Receive Your Express Draft - You will receive a “blank check” which will have your approved limit for you to shop for your next vehicle.
  3. Take your time - You have up to 30 days to use your Express Draft and your loan will not be activated until you find your dream car!
  4. Sign the check and drive off - Complete the check (Dealership Name, Amount Due, Vehicle Info) and drive away in your new ride!

What is an Express Draft?

An Express Draft works like a personal check. Once you are preapproved, you will receive the Express Draft and you simply make your Express Draft payable to the car dealer for the purchase price, up to your approved maximum loan amount*.

Your loan will be activated for the amount you made payable on the Express Draft. Don’t worry if you changed your mind about the Express Draft, you are under no obligation to use it once you receive it.

Apply Now

*The approval of an Express Draft may vary as it is determined by an evaluation of credit, amount, term and other factors. Loan to Value restrictions may apply. Express Drafts may be used for new or used vehicles including motorcycles or boats. Express Drafts may not be used for lease buy-outs, for private party sales, commercial vehicles or vehicles designed for commercial use. All applications are subject to review. Certain restrictions and conditions may apply.