Auto Loan Preapproval Process

Step 1

Gather Your Information

When applying for preapproval, you’ll generally need:

Contact information for all applicants
Current housing information
Employment and income information
Approximate amount you expect to finance
Your desired loan term

Don’t know exactly what vehicle your want yet? That’s okay. An estimate is enough to get started.

Step 2

Submit Your Application

Apply online or give us a call.

After you submit your application, a United Trades FCU representative will contact your regarding the status of your request. Most loan decisions are made next day.

Apply Now

Step 3

Shop for Your Vehicle

With your preapproval in hand, you’re ready to start shopping.

You can purchase from a dealership, private party seller, or online vehicle marketplace. Knowing your budget ahead of time makes shopping easier and helps you negotiate confidently.

Learn more about the Auto Buying Process.

Step 4

Finalize Your Financing

Once you’ve found the vehicle you’d like to purchase, contact United Trades FCU with the vehicle details.

We’ll review the information, finalize your loan documents, and provide instructions for completing the purchase.

In many cases, funds can be provided by check, mailed directly, or delivered electronically.

Step 5

Complete the Purchase

Use your loan proceeds to purchase the vehicle from the seller.

If you have questions during the purchase process, our team is here to help ensure everything goes smoothly.

Step 6

Submit Title Documentation

After purchasing your vehicle, ensure the title and any required ownership documents are provided to United Trades FCU within the required timeframe so we can properly perfect our lien.

If you have questions about title requirements, please contact us.