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SWIFT Payment System ExplainedFor a limited time, auto loans from Cross Valley come with % cash back on your total loan amount? plus free GAP insurance? (valued at $) and no payments. APR and term are based on your credit rating and vehicle. Example of a Payment: A loan of $20,, with a term of 36 months, at an interest rate of % . Get an Auto Loan Become a Member. % APR*. Getting your next auto loan from Coosa Valley Credit Union has never been easier. View Auto Rates. Cars for Sale.