OnTrack Auto Loan

Apply Online!

Need a new ride, but think you won’t qualify for an auto loan due to challenging credit?

Don’t stress—Extra Credit Union can help you get on track with our OnTrack Auto Loan! Our goal is to give you an auto loan that will help shift you towards better credit and get you back on track with your finances.

OnTrack Auto Loan Features:

• Competitive terms and payments that fit within your budget
• A 0.25% rate discount if you sign up for direct deposit and auto transfer
• A Global Positioning System (GPS), provided and installed at no cost by Extra Credit Union, which will assist in finding your vehicle if it is stolen**
• A diagnostic review and CarFax information for the vehicle
• After 24 months of on-time payments, you can request a credit review to see if you qualify for a lower interest rate

Don’t let challenges with your credit stop you from providing for your family, paying bills or simply just getting you where you need to go. OnTrack is designed to help you get an auto loan at a fair rate with a payment you can afford.

Talk to one of our knowledgeable member service representatives—they can review your credit and help get you into a reliable vehicle. Plus, they can provide suggestions on how you can not only improve your credit score, but even set aside funds for insurance and future repairs, too!

Applying for an auto loan is easy:

1. Click here to get started with your online application today.
2. Looking to save time? Apply in eBanking under the “Services” tab (this is the quickest way to complete your application)
3. Call us at (586) 276-3000, option 1

*Good on loans new to Extra Credit Union. Applicants must meet loan approval and membership qualifications. All loans are subject to credit approval. Other terms, conditions or restrictions may apply. 

**GPS unit cannot be removed without the consent of Extra Credit Union during the term of the loan.