Auto Loans

There's a reason we are known for our auto loans, and it's because of more than just our awesome rates! While we do have awesome credit union rates, we also have a wonderful staff that'll walk you through the entire process, answer any question you may have, and give you quick decisions to your financing needs.

  • Competitive rates
  • Finance up to 100% of the value
  • Terms up to 84 months
  • Pre-approval available
  • Personal, local service
  • Quick approvals
  • Easy to apply
  • View our Auto Loan Calculators

Additional perks of being a member at ECU:

  • GAP coverage
  • Service Contracts

Looking for a different vehicle? Please view ECU’s Vehicles for Sale.


In looking out for your best interest, ECU offers GAP coverage when you purchase your vehicle. GAP coverage allows you to bridge the gap between what your insurance company awards you and what you still owe on the car if it’s totaled.

Example Without GAP Coverage With GAP Coverage
Outstanding Loan Balance $10,000 $10,000
Insurance company awards you $7,000 $7,000
Outstanding Loan Balance   $3,000
Insurance company payment    
You still owe $3,000 $0.00

Service Contracts – Put the brakes on expensive car repairs. A factory warranty may not be enough, and major repairs often occur after the manufacturer’s warranty expires. Consider adding a service contract to your loan obtained through ECU.

  • No deductibles
  • 24/7/365 Emergency roadside service
  • Car rental
  • Nationwide coverage
  • Convenient access to services via toll free number
  • Increase vehicle resale value

Contact an ECU loan officer for more information. Or call Route 66 toll free at 800.808.0828 or visit and enter your auto's information in the "Quality Fast!" section of the page for additional details.



Looking for a one-stop-shop? Current ECU members that shop for a new or used car at one of the following dealerships will be able to finance with ECU at the dealership. Just tell the dealership’s business/finance manager you are an ECU member and you want your auto loan set up through ECU.

Auto dealers that ECU partnered with:

Boyett Sales & Service -
300 US 75 Hwy; Holton, KS 66436 - 785.364.4200

Capital City Nissan -
3115 S Kansas Ave.; Topeka, KS 66611 - 785.267.6700

Dale Willey Automotive -
2840 S Iowa St.; Lawrence, KS  66046 - 785.727.1124

Dick Edwards Auto Plaza -
375 Grant Ave.; Junction City, KS 66441 - 785.238.5114

Doug Richert Cadillac -
1900 SW Topeka Blvd.; Topeka, KS 66612 - 785.231.1361

Ed Bozarth Chevrolet #1 Buick GMC -
3731 S Topeka Blvd.; Topeka, KS 66609 - 785.266.5151

Holthaus Autohaus -
720 W Oak; Fairview, KS  66425 - 785.467.3101

John Hoffer Chrysler Jeep -
3220 SW Topeka Blvd; Topeka, KS 66611 – 785.266.3333

Jim Clark Auto Center -
911 Goldenbelt Blvd.; Junction City, KS 66441 - 866.459.6817

Laird Noller Automotive -
935 W 23rd St.; Lawrence, KS 66046 - 785.393.7103

Laird Noller Topeka -
2245 SW Topeka Blvd.; Topeka, KS 66612 - 785.235.9211

Murdock Manhattan Chevrolet-Cadillac -
600 McCall Rd; Manhattan, KS 66502 – 785.776.1950

Sharp Honda -
1818 SW Topeka Blvd.; Topeka, KS 66612 - 877.447.3320

If you are an automobile or recreational vehicle dealer interested in more information about ECU’s indirect program, please contact Preston Ford at 785.228.5189 or by email