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Buy and Own a Car

Beep! Beep! Time for a new set of wheels

We offer three types of loans related to your auto:

  1. Shopping for a new car? We can help you get an auto loan.
  2. Feeling the strain of a high auto payment? Pay less for the car you drive by refinancing your loan!
  3. Car paid off? Let us help you pay off other debts and more by using the equity in your vehicle.

Get an auto loan to purchase a car
Ready to purchase a new or used car? ECU offers auto loans with fair interest rates and flexible terms based on the vehicle that you choose. We will work closely with you to get you an auto loan no matter your credit score.

Together, we will:

  • Review your credit and work with you to get you the best, most affordable loan
  • Educate and advise you on affordable vehicles that work within your budget, thereby setting you up to succeed
  • Determine the value of the vehicle(s) you are interested in and the most you should pay, prior to meeting with the dealer
  • Pre-approve you for a loan up to the amount that you qualify for to protect you from overpaying at the dealership

Your new car is just around the corner. Call us at (586) 276-3000 or (877) 638-7628, or visit Extra Credit Union and we’ll get you on the road to getting your vehicle!

Or let us protect you with a vehicle history report—members get an exclusive discount on Carfax.


Refinance a car
Already a car owner? It’s vital to know your interest rate as you may be overpaying. If you are overpaying, you are not alone and you don’t have to continue. There is a solution.

Refinance your auto loan with Extra Credit Union to potentially lower your interest rate and monthly car payment, or to pay for your car over a shorter period. Simply fill out an application to see how we can save you money!

Use the equity in your car to borrow for other needs
Did you know that when your car is paid off, you can use your vehicle’s equity to pay off other debts or to make a large purchase? Your paid-off car is a resource that you can leverage. Who knew your payment-free vehicle could help you get even farther ahead than the next intersection!

We are happy to be of service with any of your automotive-related financial needs.

  • Apply online: There is no obligation.
  • Apply in person: Sit down and chat with one of our friendly and knowledgeable lenders.
  • Apply by phone: Call (586) 276-3000. We are available 24 hours a day, 7 days a week.

Check out our loan FAQs for more information.

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