Know the Payment Before You Pick the Car
Used and new auto loans and dealer loan refinances for members across the Evansville area.
Your Loan, Printed Like a Window Sticker
Every car has a sticker. Your loan should too. Change any number and the sticker updates.
Sample APRs for a 60 Month Used Auto Loan
- 5.49%720 plus
- 6.74%680 to 719
- 8.99%640 to 679
- 12.49%600 to 639
- 15.99%Under 600
Sample rates for this demo. Shorter terms run about a quarter point lower and 72 months about half a point higher.
Three Things to Do Before You Sign
Our loan officers see the same mistakes every week. These three stop most of them.
Pay a Mechanic to Look First
An inspection runs about $100 to $200 at most Evansville shops. It can find a leaking seal or a bent frame before the car is yours.
Check the Tires and the Title
Worn tires are a $700 surprise. Ask for the title and a history report too.
Walk In Preapproved
Know your rate and top price before the lot. Then the talk is about the car, not the payment.
Got Your Loan at the Dealer?
Dealer rates are often marked up. If your credit has improved since you bought, a refinance may lower your payment.
- We pay off the dealer loan and move the title for you.
- No fee to refinance, and no penalty to pay us off early.
- We show the total interest too, so a lower payment never hides a longer loan.
What Members Say
Refinanced my truck from the dealer loan and my payment dropped $61 a month.
Derek W. Newburgh
Tasha showed me the payment and the total interest on the same sheet. No dealer ever did that.
Angela R. Evansville
Walked into the lot preapproved. It took forty minutes instead of four hours.
Sam K. Boonville
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Branches and Members Across the Tri State
Evansville, Newburgh, Boonville, Chandler, Darmstadt, Mount Vernon, Princeton and Henderson KY. Members who move away keep their loans with us.
Auto Loan Questions
Who can join the credit union?
Anyone who lives, works or goes to school in Vanderburgh, Warrick, Posey or Gibson County. Family of members can join too. It takes a $5 deposit into a savings share, and you can do it the same day as your loan.
Should I get approved before I go to the dealer?
Yes, if you can. A preapproval tells you your rate and your top price before you walk in. You can still let the dealer try to beat it. If they can, good. If not, you already have your loan.
Can I refinance a loan I got at the dealership?
Yes. Many members bring us a dealer loan a few months after they buy. If your credit has improved or the dealer rate was high, a refinance can lower your payment. Stretching the term can raise the total interest, so we show both numbers.
How old can the car be?
We finance most cars and trucks up to 12 years old. Older vehicles may need a shorter term. Your rate can depend on the age and miles of the vehicle.
Will checking my rate hurt my credit?
Applying does include a credit check. Several auto loan checks within about two weeks usually count as one on your credit report, so you can shop around.