Vehicle Loans & Leasing

Vehicle Loans

Low rates, flexible terms, 100% financing with no prepayment penalties.

MyLife First Time Auto Loan

Buying your first car? A MyLife Auto Loan is a great way to learn how to purchase and finance your first vehicle.

Vehicle Leasing

Directions Credit Union offers a very competitive vehicle lease* program.



It's Easy to Apply

With three convenient ways to apply for your auto loan, Directions Credit Union makes financing the easiest
part of purchasing your vehicle. Choose the option that works best for you:

1.  Apply for your auto loan from the comfort of your home or office with our online applications.

Apply for a loan NOW!

New Calculators - Coming Soon

New Calculators - Coming Soon

New Calculators - Coming Soon


2.  Get your auto loan right at the dealership!

Your auto, RV, or boat loan application can be completed and approved right at the dealership. Most Toledo and Central Ohio auto, boat and RV dealers are participating. Just tell the dealer you are a Directions Credit Union member.
Download a complete list of our participating dealers in Toledo  or Central Ohio.

3.  Stop by one of our locations to apply for your auto loan.

Our Member Service Representatives are happy to help you complete your application and will answer your questions to make sure you get the financing program that best meets your needs.

For great price-negotiating leverage, get your Directions Credit Union loan pre-approved before you visit the dealer.

Call or email one of our caring team members today!
We’d love to talk with you about your next auto loan.  Our commitment to you is to always explain your options in complete detail, so you can make informed decisions. Directions Credit Union located in Greater Toledo and Central Ohio. We’re in town, and we’re on your side.


Vehicle Loans

When you’re ready for an auto loan from a local source you can trust.  Auto, boat, and motorcycle loans made easy, fast, and affordable.

At Directions Credit Union we make the process of getting an auto loan fast and easy. We believe that getting a loan - whether you need an auto, boat, or motorcycles loan should be quick and hassle-free. You’ll be pleasantly surprised at how easily we get your loan done. And our low auto loan rates are as competitive as they come!

If you've been thinking about a new or used auto loan, let’s talk! Along with competitive rates and unmatched service, Directions Credit Union offers flexible terms up to 84 months, and up to 100% financing, FREE pre-approvals and no pre-payment penalties. At Directions, auto loan rates are based on your credit qualifications, not on the vehicle. New or used, short terms or long terms, we strive to give you the best deal in town – for the car you want.

Apply for a Loan

MyLife First Time Auto Loan

Let Directions Credit Union help you learn the value of establishing and maintaining good credit. Our MyLife First Time Auto Loan is designed for young adults, borrowing for the first time, who may have little or no credit history. With a discounted loan rate establishing credit has never been so smart!  Learn more...

Apply for a Loan

Vehicle Leasing

Directions offers one of the most customer-friendly lease programs available. We’ve partnered with Credit Union Leasing of America (CULA), the nation’s largest indirect credit union leasing program, so we have the clout it takes to get you a lease that’s affordable and fits you perfectly.

With Credit Union Lease™, your lease will be processed quickly and efficiently on site, right at your dealer’s office. With Credit Union Lease™, you’ll enjoy:

  • Lower monthly payments - more car for your money
  • Flexibility - build your term and mileage capacity to suit your needs (up to 60 months on specific year models)
  • No prepayment penalties - early termination allowable
  • Convenience - payments can be made at the credit union
  • No security deposit required
  • Consumer friendly Lease-end options
  • Auto lease available for both new and used vehicles
  • Gap insurance included
  • Up to $1,500 waiver for wear and tear
*Leasing available in certain markets.

Participating Vehicle Lease Dealerships

Our leasing program is currently available at a variety of dealerships throughout Northwest Ohio and Southeast Michigan.

Download a PDF list of Credit Union Lease™ participating dealers.

Lease Education

End of Lease

For members who are approaching the end of their lease, our partner, Credit Union Leasing of America (CULA), offers one of the most consumer friendly lease turn in process.