Preferred Dealers

Energy One Federal Credit Union partners with Credit Union Direct Lending by CUDirect (CUDL) to make buying and financing a vehicle simpler. This program allows members to purchase a new or used car at participating dealerships and finance their credit union auto loan directly with Energy One while completing paperwork at the dealership.

You can drive away with your vehicle knowing your auto financing is already handled through your credit union.

How Dealer Direct Lending Works

Dealer Direct Lending lets you finance your vehicle at a participating dealership using Energy One’s credit union car loan program. Whether you are an existing member or joining Energy One through the dealership, the loan process remains simple and transparent.

There is no cost to use Dealer Direct Lending. It is a benefit of Energy One membership.

What Members Should Know

• Not all dealerships participate. Some dealers may not be part of the CUDL network or may be outside the service area. If a dealership does not participate, Energy One can still provide traditional auto loan financing.
• Same underwriting standards. Auto loans completed at a dealership are reviewed using the same credit union underwriting process as loans completed in a branch.
• Same competitive rates. Energy One’s credit union auto loan rates are the same at the branch and at participating dealerships.
• No required add-ons. GAP insurance or extended warranties are not required and do not affect your auto loan approval.
• Flexible payment options. Make payments at a branch, through auto debit from another financial institution, or from your Energy One account.

Get Pre-Approved Before You Shop

Energy One loan officers can provide auto loan pre-approval before you visit a dealership. Your pre-approval is entered into the CUDL system so the dealership can reference it during your purchase.

Pre-approval helps you shop with confidence and stay within your budget.

Membership Benefits Apply

Members who join Energy One through a dealership auto loan receive full membership benefits, just like members who join in a branch or through an employer group.

In addition to auto loans, Energy One offers financing for mortgages, boats, RVs, motorcycles, signature loans, and vehicle refinancing. We welcome the opportunity to help you manage all your loans through one trusted credit union.

AutoSMART Car Buying Tool

Energy One also partners with CUDirect to offer AutoSMART, a car-buying and auto financing tool that helps streamline your search.

With AutoSMART, you can:

• Search vehicles by dealer, ZIP code, or distance
• Compare vehicle options
• Connect financing with your Energy One credit union auto loan

Shop AutoSMART

Questions About Preferred Dealers?

If you have questions about Dealer Direct Lending, dealership participation, or auto loan pre-approval, our loan officers are ready to help.

Phone: 918-699-7100
Toll-Free: 1-800-364-3628

Energy One Federal Credit Union partners with Credit Union Direct Lending by CUDirect (CUDL) to make buying and financing a vehicle simpler. This program allows members to purchase a new or used car at participating dealerships and finance their credit union auto loan directly with Energy One while completing paperwork at the dealership.

You can drive away with your vehicle knowing your auto financing is already handled through your credit union.