Dealer Direct Lending
Energy One Federal Credit Union makes car buying easier through Dealer Direct Lending. By partnering with Credit Union Direct Lending (CUDirect), members can purchase a new or used vehicle at participating dealerships and finance it directly with Energy One, completing all paperwork at the dealership. This allows members to drive away with Energy One financing using the same rates, terms, and underwriting they would receive at a branch.
Benefits
One-Stop Vehicle Financing
No Pressure to Buy Add-Ons
Same Rates as In-Branch Financing
Flexible Payment Options
No Added Cost to You
Full Membership Benefits
Features
- On-Site Credit Union Financing at Participating Dealerships
- Same Rates and Underwriting as In-Branch Loans
- No Required Add-Ons or Fees
Participating Dealer Network
Finance vehicles at dealerships that participate in the CUDirect network.
Same Credit Union Underwriting
Loans are reviewed and approved using the same underwriting standards as in-branch.
Pre-Approval Available
Get pre-approved at an Energy One branch before visiting a participating dealership.
New and Used Vehicle Financing
Dealer Direct Lending is available for both new and used vehicles.
Flexible Payment Options
Make payments in person, set up auto pay, or debit payments from another financial institution.
AutoSMART Car Buying Tool
Search for vehicles by dealer, location, or vehicle type using Energy One’s AutoSMART tool powered by CUDirect.
Compare Dealer Direct Lending Options
See how Energy One’s Dealer Direct Lending compares to other financing options.
| On-Site Financing | No Required Add-Ons | Pre-Approval Available | Flexible Payments | Full Membership Benefits |
Energy One Credit Union | | | | | |
Dealer Financing | | | | | |
Bank Auto Loan | | | | | |
Online Auto Lender | | | | | |
Credit Card | | | | | |
FAQs
Yes. Members who join Energy One through a dealership loan receive full membership benefits.
No. GAP insurance and extended warranties are optional and not required for loan approval.
No. Only dealerships that are part of the CUDirect network are eligible. If your dealership is not eligible, Energy One can still finance your vehicle through traditional methods.
Yes. Dealer Direct Lending is provided at no cost as a benefit of Energy One membership.
Get Started
Enjoy the convenience of financing your vehicle at the dealership with your credit union.
Become a member today.
Get started by opening a free checking account online today.
