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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.

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 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.

Santa putting a toy car into a gift box on a brightly colored background

NO PAYMENTS until 2020 

That's right, we said no payments until 2020! 

Have you been putting off your new auto purchase until after the holidays?  Do you want to show your "Special Someone" how very special they are?  Whatever your reason, you don't have to wait! 

Our members can choose to delay their payment for 90 days on any new or used vehicle purchase* now - until the end of the year!  

APPLY NOW

*This offer is for new money only, and does not apply to existing Ripco loans. All loans are subject to underwriting approval.  This offer is for a limited time only and may be withdrawn without notice. 

Types of Vehicle Loans

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 Ripon 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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