Auto Loans
Looking to get a car loan with confidence? Energy One Federal Credit Union offers flexible auto loans for new and used vehicles, refinancing, and dealer purchases. Whether you are buying from a dealership, a private seller, or refinancing an existing loan, we make auto financing simple, transparent, and built around your budget.
Get pre-approved for an auto loan before you shop and know exactly what you can afford. With competitive loan rates and local support, Energy One helps members get approved for a car loan without the pressure of traditional lenders.
Benefits
Auto loans designed to fit your life, budget, and long-term goals.
Competitive Credit Union Auto Loan Rates
Flexible Auto Loan Terms
New and Used Car Loans
Auto Loan Refinancing Options
Pre-Approved Car Loans
Local Credit Union Support
Auto Loan Refinancing
GAP insurance
Online Auto Loan Applications
Shop our Preferred Dealers
Calculate an Auto Loan
Compare Auto Loan Options
See how Energy One’s credit union auto loans compare to typical auto lenders.
| New & Used Vehicles | Flexible Terms (36-48mo.) | Refinance Options | GAP / Warranty Options | Personal Support |
Energy One Credit Union | | | | | |
Local Bank Auto Loans | | | | | |
National Bank Auto Loans | | | | | |
Online Auto Lender | | | | | |
Dealer Financing | | | | | |
FAQs
Yes. Refinancing may help lower your rate or monthly payment.
Yes. We offer used car finance and used auto loans for eligible vehicles.
Yes. Members can pre-qualify for a car loan or request auto loan pre-approval before visiting a dealer. Learn more about pre-qualification.
You can apply online or visit a branch to get started with an auto loan application.
Yes. Energy One offers competitive auto loans for new and used vehicles.
Yes. You can refinance an existing auto loan to potentially lower your rate or monthly payment.
Car Buying Tips & Resources
- Know the value of your trade-in before you visit the dealership (links to NADA and KBB below).
- Look up the market value of GAP insurance and warranties for the model you’re considering.
- On used autos, check the vehicle history with CARFAX (link below) The dealership can also provide you with a CARFAX. Learn more about navigating auto loan misinformation.
- Get a quote from your insurance company on the specific vehicle you’re looking for, and factor that cost into your monthly budget.
- You also have the option of finding out how much your tag and tax charge will be for budgeting purposes. View more information here.
- Obtain a preapproval application from Energy One before shopping for a vehicle. This action will allow you to see what you can work into your monthly budget.
- If you have questions you need answered, make a list and follow it. This keeps you from being rushed which will allow you to control the purchase.
- Visit Consumer Reports for even more great car-buying tips.
Memberhaven Insurance
Drive with confidence and keep more money in your pocket. Energy One has partnered with Member Haven to offer competitive auto insurance rates designed for our members. Request your free, no-obligation quote today and see how much you could save on coverage for your car!
AutoSmart Car Buying Tool
Energy One has also partnered with CUDirect to offer our AutoSMART car-buying tool. You can search by dealer, zip code, distance to your home, and vehicle type. Streamline finding and financing a car with AutoSMART! Explore AutoSMART to find your next car or truck today.
Explore Other Loan Options:
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Get Started
See how much you can save with an Energy One credit union auto loan.
Become a member today.
Get started by opening a free checking account online today.
