New & Used Vehicle Loans

Car Loans That Move You

Whether it's your first car, your dream truck, or just time for an upgrade, Ripco makes financing fast, flexible, and stress-free.

Ripco loan benefits

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New or Used

Both get the same attention

A used vehicle usually means a smaller loan amount, and rates can differ by term and by the vehicle itself. A new one may carry a longer warranty and a different resale curve. Neither is automatically the better financial decision.

What matters more is the term you choose. Stretching a loan out lowers the monthly payment and raises what you pay overall, so the right length is the one that fits your budget without adding years you don't need. Our current rates show the estimated monthly payment per $1,000 borrowed at each term, making it easy to compare your options and see what could work best for your budget.

Get Pre-Approved First

Shop knowing your number

A pre-approval tells you what you can borrow before you start looking, which changes the conversation at the dealership. You are negotiating on price rather than on payment.

It also means the financing is settled when you find the right vehicle, so you are not waiting on an approval while somebody else is looking at the same truck.

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Shop Smarter

Find the vehicle first

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

Visit the AutoSmart Website

Refinance High Interest Auto Loans

Already have a loan somewhere else?

Refinance your auto loan with Ripco and you could pay it off sooner, and for less. With lower rates and flexible terms, it's a smart way to save money and pay off your loan faster.

If your situation has changed since you signed your loan, whether you financed at the dealership, your credit has improved, or the payment has become tighter than it was, refinancing with Ripco is worth a look. With no application fees or prepayment penalties, it's easy to explore your options and see what makes sense for you.

Ripco Rate Match Program

Bring Us a Better Offer

Found a lower vehicle loan rate somewhere else? Don't count Ripco out.

Bring us the qualifying offer and we'll see if we can match the rate - giving you the opportunity to save while keeping your loan right here at Ripco.

You'll still get the competitive rate you're looking for, along with the local service, personal attention, and people you know and trust.

Before you take your loan somewhere else, give Ripco the opportunity to earn your business.

Insurance & Protection

Guardrails on a major purchase

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.

Learn More About GAP

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 helps protect your car loans.

Recreational Vehicles Too

Boats, campers, ATVs, and more

Ripco also finances motorcycles, ATVs, UTVs, RVs, boats, jet skis, snowmobiles, campers, horse trailers, and more through our recreational loans. Titled collateral rates cover autos, campers, and boats over 16 feet.

Membership

Who can join Ripco

Membership is available to anyone who lives, works, or owns property in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County, as well as immediate family members of current Ripco members.

Loan decisions are made right here at Ripco, which is why approvals usually come back quickly and why you can talk with someone who will take the time to understand your whole situation.

Open an Account

Ready to get moving?

Start with a pre-approval

Apply online, or come by, text, or chat with a Universal Member Agent. We'll help you compare terms, look at whether a refinance makes sense, and get you a number you can shop with.

Apply Now