Whether you are buying a NEW or USED vehicle, Educational Credit Union offers great LOW rates - saving you money. Get an auto loan for any year or model with flexible terms and many payment options. You can apply for your auto loan online or stop by any ECU location.

• Current Rates
• Apply for an Auto Loan

Did you know that you can finance with ECU while at the dealership? 
Click here for the list of dealers where we have this special relationship.

Payment Options:

• Send a check for your monthly payment automatically from your ECU account 
• Draft your payment electronically from an account at another financial institution
• Make your payment with payroll deduction from participating employers
• Stop by any ECU or service center location to make your monthly payment

		Check the history of a used vehicle with a Carfax Report
		What’s a vehicle worth? Whether your trading in, selling, or buying another vehicle you can view the vehicle values online at the  National Auto Dealers Association (NADA) Website.
		Request a FREE credit file disclosure from any of the credit bureaus. Credit file disclosures  do not include a credit score.  www.annualcreditreport.com

Vehicle Extended Service Contracts - offered by ECU

Put the brakes on expensive car repairs. A factory warranty may not be enough. Plus most major repairs occur after the manufacturer's warranty expires. Consider adding an extended service contract to your loan. Coverage obtained through Educational Credit Union may save you money when compared to dealer plans.

Available Features Include:

• Low deductibles
• Roadside assistance services
• Car rental
• Nationwide protection
• Convenient access to services via toll free number
• Reimbursed travel expenses
• Increased vehicle resale value

Why purchase an extended service contract?

Extended coverage can help you save money if your car ever needs to be repaired and your manufacturer's warranty has expired. In addition, it could help if you re-sell your vehicle. Pre owned car buyers look more favorable upon a vehicle that comes with coverage. It represents a vehicle that has likely been well maintained by its owner. Should the buyer decline the option to purchase your coverage, you can cancel and apply for a pro-rata refund.

How do you get an extended service contract?

Contact your ECU loan officer or call Auto Exam toll free at 800.709.5792 or visit www.autoexam.com for more information.

GAP Coverage – bridging the gap

In looking out for your best interest, ECU offers GAP coverage when you purchase your vehicle. Gap coverage gives you the peace of mind that if your car is damaged beyond repair and your insurance company awards you an amount that is LESS than what you owe, the remaining balance will be paid. Ask an ECU loan officer for more information.

Example: If your car is damaged beyond repair.

Auto Insurance

We are always looking for ways to improve our service and operational efficiency, which is why we recently implemented a new insurance tracking process for our loan collateral.  Your loan agreement requires that loan collateral is continously insured against physical damage losses during the entire term of the loan.

As part of the transaction, we conducted an audit on all loan collateral to ensure we have current proof of insurance.  We hope you will assist us in updating your insurance information by repsonding to this request as soon as possible. 

A secure site can be used to submit the needed insurance information with the corresponding insurance company, allowing our records to be updated with this required information.  If we are NOT able to verify acceptable insurance, we will notify you by email within two business days.  NO INFORMATION WILL BE DISCLOSED TO OUTSIDE PARTIES.

For more information, please call 866.492.9750 or go to this helpful site.