Smart buying can help you meet your needs and reach your financial goals. ECU offers quick service and advice when you need it. ECU new or used vehicle loans offer a variety of rates and terms to fit your needs. Click here for current rate.*

Get pre-approved. Pre-approval lets you know how much car you can afford and saves time when you find the one you want. Pre-approval helps you avoid purchasing based on "payment".

Take your rate even lower if you have an active ECU checking account, which could lower your rate by .15%. Active checking account is defined as a minimum of 10 transactions per month and/or a net check direct deposit. Or set up E-Pay (electronic payment from any financial institution) and receive an additional .10%. Loyal borrower will receive an additional .10%. Loyal Borrower is defined as having a loan originated with ECU in the last 30 months or have a Qwik Cash and/or credit card must have activity within the last 12 months. If you add loan products (min of two) Gap, Credit Life, Disability, and Service Contract you will receive an additional .10%. You may receive an additional .10% for receiving E-Docs (E-Statements, E-Notices ... etc. A maximum of .50% will be allowed for each qualified loan.)

RESEARCH BEFORE YOU BUY!
It's easy! It's FREE!
New and USED CAR INFORMATION is always available to members through ECU's lobby computer and vehicle library.

• Find the value of USED vehicles through Kelley Blue Book (your computer or ours) or use our NADA "Blue Book"
• Buying, selling or trading a car, truck, van, motor home, fifth wheel or motorcycle? Trust ECU's vehicle pricing information!

This valuable service helps you save money and determine the value of your trade BEFORE YOU SHOP!
BE sure to TALK TO ECU BEFORE YOU BUY so you can negotiate your very best deal.

Carfax provides you with vital vehicle history information about a used car or truck you're considering buying (salvage title, odometer rollback, manufacturers-lemon buy back and uncompleted recall repairs). Search your purchase with Carfax first ($29.99), then, if you finance the purchase at the credit union within 60 days, we'll reimburse your research fee.
Click here for your free Lemon Check from Carfax

Like a lease, DrivingSense provides monthly payments that are considerably lower than conventional financing. But unlike a lease, with DrivingSense vehicle financing you own the vehicle. To find out more about DrivingSense vehicle financing, click here.

GAP covers the difference between your primary carrier insurance settlement and the payoff of your loan or lease, less the delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. For example, if your car is stolen or totaled…

Original Purchase Price………………$20,000
Loan Balance After One Year……$18,000
Insurance Settlement………………$15,000
Remaining Balance…………………$3,000 (GAP pays)

GAP will also pay your insurance deductible. Deductible reimbursement is available in most, but not all states. Consult with your financing representative for the availability of this benefit.

Credit Insurance
ECU Credit Insurance protects your family in the event you become disabled or deceased and have trouble paying your debt. Most consumers do not carry enough life insurance to pay off all their debts, and with credit insurance your debt will be paid off.

Major Mechanical Protection
As automotive repair costs continue to rise and the chance of major mechanical failures on your vehicle increases over time, your service agreement will continue to give you the peace of mind that you're protected against unseen costly repairs. Take care of your vehicle with major mechanical protection from ECU. Our major mechanical protection is backed by a proven provider in the industry and will not be dropped due to current economic conditions. ECU's major mechanical protection is also low cost and can be used at any ASI approved repair facility. Members who experience a problem can contact us if they need assistance. Call a loan officer for your Major Mechanical Protection quote.