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Important Member Updates:  

Online Banking Notice: On Tuesday, April 22, 2025, all members will be required to re-accept the Online Banking User Agreement in order to log in. This is part of a system update—the agreement itself is not changing.

Join Us: Ripco Credit Union’s 92nd Annual Meeting will be held on Tuesday, April 29, 2025, at 5:00 PM at 121 Sutliff Ave. All members are welcome to attend.

Consumer Loans

Car Loans

Ripco’s Spring Vehicle Event

Looking to hit the road—or the trails—with something new?

During our Spring Vehicle Event, take advantage of this limited-time savings opportunity when you finance your next ride with Ripco:

Available on new loans for: Cars, Trucks, SUVs, Campers, Boats, ATVs, Motorcycles, and more!

Whether you're heading into town or out into the woods, Ripco makes financing simple and stress-free.

Get moving this spring—your next adventure starts here.

APPLY NOW

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. 

Refinance High Interest Auto Loans

Refinancing your auto loan with Ripco Credit Union is a smart financial move that can bring you a multitude of benefits.

By taking advantage of our auto loan refinancing options, you can potentially enjoy lower monthly payments, freeing up more of your hard-earned money for other important expenses or savings goals. Our competitive interest rates and flexible terms allow you to tailor your loan to better suit your financial needs, giving you greater control over your budget. 

In addition to lower monthly payments, refinancing your auto loan with Ripco can also help you achieve an earlier pay-off date.

By securing a lower interest rate or extending the loan term, you may be able to reduce the overall cost of your loan and potentially pay it off faster. This means you could be driving towards financial freedom at an accelerated pace!

Whether you're looking to reduce your monthly financial obligations or shorten the lifespan of your loan, Ripco Credit Union is here to guide you through the process.  

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.

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