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Know the Car

Before you drive off in any vehicle, check out the history and see how it runs.

  • Ask a trusted mechanic to check the car.
  • Request the vehicle’s history: Was it a rental car? How many owners?
  • Take a test drive.
  • Make a list of any issues. Use a repair estimate to get a better deal.
  • See if there is any warranty left.
  • Negotiate with the seller for the best price.

If  you are buying from an individual, you’ll have paperwork to complete. The Member Vehicle Loan Checklist can help.

Contact Us Apply Online


Get insured for your vehicle and your loan.


Choose from nationally recognized insurers through CEFCU Financial Services,® Inc.

Mechanical Repair Coverage

Manage costs for auto repairs.

Guaranteed Asset Protection (GAP)

Get protection if your vehicle is stolen or damaged, and you owe more on it than it’s worth. Call Direct Lending at 1.800.858.3400 to find out about our 90-day free look!

Credit Life & Disability Insurance

Protect your loan and payments.

Tool Box

Forms & Checklists

Get the papers you need.

Monthly Payment Calculators

Figure what your payments will be.

Online Loan Application

Use our secure online application.

Find Dealers

Find a car dealer near you.


Credit Score

Know your score and how to improve it.


Choose loan and payment protections.


See how much a car is worth.

I didn't find the information I needed…

How much is my payoff?
Find out by contacting us at 1.800.858.3400. You can also find your payoff with Online and Mobile Banking.

How do I apply for a car loan?
Find out about the loan process then apply online.

What are your interest rates on a new or used car?
Check out the Rates page for current rates on all vehicles.

Can I refinance my car loan?
Of course! Learn more about refinancing.

How do you decide who gets a loan?
Find out more about how loans are approved.

I'm buying a car from another person. What should I do?
Before you buy, contact us about the value of the car.

Direct Lending

Apply for a loan or get help from a real person.

Contact Direct Lending

Have some general questions?

Find out more and get answers to your questions.