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Applying Online:

  • Have your member number readily available. If you are not currently a member, please make sure you are eligible to join. (Click here for Membership Requirements)
  • Because only primary members may apply for individual credit (joint owners may apply as co-borrowers on the application with the primary member), joint owners who apply for individual credit will be required to open your own account at the time of funding.
  • Know the following information before beginning an application: Social security number for yourself and any co-borrowers, the type of loan you wish to apply for, the amount you would like to borrow, and all personal information regarding residency, employment and residence. Please be sure to indicate how you would like to be contacted and submit accurate contact information.
  • Complete the entire application before submitting to avoid delays in processing your loan.
  • Your application will be processed and reviewed within 24 hours of your application. If you are applying on a weekend or holiday, your application will be reviewed the following business day.
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  • Business loans may not be applied for online. Please contact the Business Lending department at 800.562.0662 or email us for all your business lending needs.
  • If you would prefer to apply by phone, please contact our Consumer Direct Lending Department at 800.453.9897.

For Applying as a Co-Signer/Co-Applicant:

  • Please take careful consideration before applying to co-sign for another person. If the applicant defaults, you are responsible for making payments. Any delinquencies will also be reported to your credit bureau.
  • In cases where a loan is approved with a Co-Applicant, the best credit score will be used in determining the interest rate.
  • When applying as a Co-Applicant on our website, please select “Joint” application type. This will allow additional space to add the co-applicant information.

For Applying for a Pre-Approval:

  • Please apply for the maximum amount you would like to finance. If you qualify for a lesser amount, we will counter-offer you at that time.
  • Pre-approved amounts are contingent upon verification of vehicle value. Pre-approved interest rates are contingent upon the age of the vehicle.
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