Auto Loans

Buying a new car?  We can finance it.  Found a used car on Craigslist?  We can finance that, too.  Already bought a car and are now unhappy with the financial institution or think there may be a better deal out there?  Let us help! 

Did you know you can refinance your car loan if the car is worth more than you owe?  Take the extra cash to buy new tires, pay off a credit card, or pay taxes.  You should know your car can be a source of extra cash!

Direct New and Used Car Loans

We offer the same rate and terms for new and used car loans.  We also offer dependable auto warranty programs and GAP insurance at prices the car dealers cannot match.  Get the best deal possible, by coming directly to us before you go car shopping! 

Indirect New and Used Car Loans

We partnered with CUDL in 2014 so you would have access to our great rates and terms when car shopping anytime, even over the weekend!  You’ll get the same rate you would if you walked into our lobby and applied for a loan.  Just be sure and tell the dealership you are a member of Encentus Federal Credit Union!

  • Rates start at 3.00% APR
  • Terms as long as 84 months
  • Loan-to-value up to 125%

Apply for a Loan