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Loan Services

Vehicle LoansVehicle Loans

Financing a vehicle can be confusing and frustrating because there are so many different options to consider. Let us make it easy for you:

Get a Pre-Approved Loan

It will give you better shopping flexibility, less pressure from the dealers, and you won’t be limited to certain models to get the dealers’ low-rate financing. Our rates are lower the majority of the time anyway!

Beware of Special Dealer Financing

Photo-Stop Sign Only those with excellent credit are eligible and if you do qualify, there may be strings attached such as:
  • Vehicle restrictions – Not all vehicles qualify for special financing.
  • Price restrictions – You may not be able to negotiate the price and may end up paying more.
  • Term restrictions – Some deals require a shorter term meaning higher payments.
  • Down payment requirements – You may be required to make a larger down payment.
  • Rebate restrictions – If you take the special financing, you usually won’t get a cash rebate.


Dealer Financing
0% APR
Credit Union Financing
1.99% APR*
Vehicle sales price $25,000 $25,000
Dealer rebate 0 $3,000
Amount financed $25,000 $22,000
Interest for 60 months 0 $1,132
Total repayment $25,000 $23,133
Savings 0 $1,867
Estimated monthly payment $416.67 $385.55

*APR = Annual Percentage Rate. This APR is for example only. Your rate may vary based on your credit history and term.

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We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.