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REMINDER: Reward Visa Card holders must redeem their earned points before March 26th, 2023 (Sunday) when the Reward Program terminates. Your old Rewards card will also no longer be valid after March 26th. Visit our Credit Card Conversion page for complete details HERE. 

Consumer Loans

Car Loans

Loans That Take You Places!

Need a loan for a new or used vehicle? We'll take the wheel on financing to get you into your new ride faster. 

At Ripco Credit Union, we understand that buying a new car is a major financial decision, and we are committed to providing our members with competitive rates and terms to ensure that you get the most value for your money.   Whether you’re looking to buy a new car, used car, or refinance an existing car loan, we have the perfect loan solution for you.

Our souped-up car loans deliver better rates, flexible terms (up to seven years) and exceptional service from a lender you trust. Used vehicles that are less than 10 years old even benefit from the same great rates as new cars. 

You can also bring us car loans from another lender, and we'll see if we can do better. Our loan professionals are eager to help you determine a fair value for your trade in and offer you a pre-approval to avoid financing hassles at the dealership. 

Our car loan process is simple, quick and convenient. Use our easy online application and get a decision quickly!


The types of "Vehicles" that will qualify for this offer are:  

Get Pre-approved Before You Shop

Ready to get your keys?

Getting preapproved for a car loan can give you an edge before you visit the dealership or shop online. It makes it easier to negotiate a better price and lets you know exactly what you can afford. 

Getting preapproved is as easy as one, two, three! 

  1. Submit an application, either online or at one of our local branches.
  2. Go shopping armed with the knowledge of how much you can afford and what you want to spend.
  3. Pick out your vehicle. 

Once you've found the perfect ride, we'll finalize the paperwork and you're off and driving! It really makes the auto buying process not only quick, but stress free. 

With our Rate Match Program there's no worries about your rate either. 

Ripco Rate Match Program

With the Ripco Rate Match Program, you can keep your business with your trusted, local credit union and still get the best rate around.* If you’ve found a lower rate with another lender, bring it home to Ripco and give us an opportunity to offer you a rate match.

*Ripco Credit Union may, at its discretion, match the rate offered by another lender (“outside offer”) for a loan of similar terms at Ripco Credit Union. The rate match applicant must meet the qualifications of the outside offer and provide Ripco Credit Union with documentation of the rate/offer. This offer is for new loans only; rate matching is not available on existing Ripco Credit Union loans. All loans are subject to Ripco’s credit approval standards.

Insurance & Protection

Auto Advantage Program (AAP)

To better serve our members — and their major purchases — Ripco has partnered with Assurance Plus, a provider of innovative insurance solutions. Our Auto Advantage Program (AAP) helps protect your car loans.

Guaranteed Asset Protection (GAP)

Did you know that, in most cases, your vehicle is worth a lot less the moment you drive it off the lot? Protect the investment you’ve made in your vehicle with guaranteed asset protection (GAP)!

Shop Smarter

Search for vehicles available at local dealerships through the CUDL AutoSmart Program — a free service Ripco is proud to offer our members.

Loan Calculator

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