Shopping for a new ride or looking to lower your current payment? Extra Credit Union makes the process simple and stress-free. We’ll take the time to understand your situation, review your credit, and help you find a vehicle and payment that fits your budget. With competitive rates, flexible terms, and a team that’s here for you, you can buy smart and hit the road with confidence.
No matter your credit history or vehicle preference, Extra Credit Union has an auto loan to fit your budget. From credit-building loans to refinancing options, we’ll work with you to find the right ride — on terms that make sense for you.
Drive Forward, Even with Challenging Credit
Need a new ride but worried about qualifying? Our OnTrack Auto Loan helps you manage payments while improving your credit. Enjoy competitive terms, a 0.25% rate discount with direct deposit, GPS tracking, and a vehicle diagnostic report—all designed to keep you on track financially and on the road.
Drive More for Less—With Flexible Ownership
Similar to leasing, this loan lets you pay only for the portion of the car you use, lowering your monthly payment and making a better car more affordable. Choose mileage options, enjoy affordable rates, and if you love your car, you can buy it at the end of your term.
Adventure Awaits—We’ll Help You Get There
If you’re dreaming about a sport or recreational vehicle, Extra Credit Union offers financing to expand your horizons for fun and adventure. From RVs and trailers to motorcycles and sailboats, we will guide you in acquiring a recreational loan or watercraft loan.
At Extra Credit Union, you're more than just a customer—you're a member-owner. We prioritize your financial well-being by offering personalized service, competitive rates, and a suite of benefits designed to help you achieve your goals.
Feeling buried by high-interest debt? You’re not alone — and you don’t have to face it by yourself. At Extra Credit Union, we created the Debt Crusher Program to give you a way forward. With one manageable monthly payment designed around your budget, we’ll help you take control, pay down what you owe, and finally breathe easier. We’ll even pay off your existing creditors directly — so you can stop stressing about balances and start moving forward.
Debt Crusher is built with you in mind.
We’ll start by reviewing your credit report — not to judge, but to understand your history and help you improve your score. Your loan amount is based on your monthly income, so payments are realistic and sustainable. Once approved, we’ll pay your creditors directly and help you close accounts that are keeping you stuck in the debt cycle.
Credit That Works for You
Borrow for What Matters Most
Empowering Tomorrow’s Borrowers
Adventure Awaits – Finance It
Have questions about banking with Extra Credit Union? We’ve got you covered. Explore our FAQs to find quick answers about accounts, services, fees, and more.
This is typically a verbal statement from your lender stating you qualify for a specific loan amount based on credit and income information. A letter may be provided to the member upon request. Advantages: This allows you to get a good idea of what you can afford while shopping for a car so that you can solely target those within your price range and stay within your budget. A pre-approval simplifies your dealership experience—you can leave out discussions about financing, and focus on the vehicle and getting the best price possible.
A mortgage pre-approval is good for 90 days. An auto loan pre-approval is good for 30 days.
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