Applying for an Auto Loan

Step 1

You’ll need to provide the following information

• Contact information for applicant and co-applicant
• Current housing, employment and income information for applicant and co-applicant
• Amount you expect to finance (include vehicle purchase price, taxes, tags, title and warranty, less any down payment)
• Length (term) of the loan you want

If you’ve already picked out the vehicle you wish to buy, we’ll also need:

• the 17-character Vehicle Identification Number (VIN)
• the state where you’ll register the vehicle
• the exact mileage
• the dealer or seller’s name

Don’t have your vehicle picked out yet? No problem! Learn more about applying for a preapproval.

Step 2

After submitting your application, you’ll receive an email or phone call from us letting you know the status of your application.

We understand that when shopping for a vehicle, you can’t always wait around for a decision. Most of our loan decisions are made same day.  If you are at a Credit Union Direct Lending (CUDL) participating dealership, we DO participate in CUDL.  You can get a decision and finish all your paperwork at the dealership.  Learn more about the CUDL process.

Step 3

Receive your funds

You can choose to pick up a check at our office or have it mailed to your home.  In some cases, we can send the funds to you electronically.

Step 4

Send us the title

Once you pay the seller, ensure the title is received by United Trades FCU within 90 days of purchase.

Ready to get started?

Apply Now