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System Upgrade

We are currently in the process of upgrading our system to enhance your experience. During this time, you will not be able to access your online or audio account information and both locations will be closed Saturday, May 18th. We apologize for any inconvenience this may cause and thank you for your patience and understanding. 

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!


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.

Loan Calculator

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