Refinance with Directions

Don't overpay into a costly auto loan. Refinance your auto loan with Directions from another financial institution and save with new low rates! We are offering special low refinance rates. Refinance with Directions and save with rates as low as 3.99%/4.445% APR*

*Loan rates are subject to change without notice. Actual rate received is based on your credit qualifications. Rate shown is based on an auto loan with a balance of $20,000, monthly installments of $368.79 over a 60 month term. Loan subject to credit approval. Fixed rate. No prepayment penalty. Special offer not valid with any other promotional offer. Effective date 9/2/2022.

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Vehicle Loan

For new or used vehicles, including cars, trucks, boats, motorcycles and more. Learn More

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Auto Leasing

Work with our partner network to find an auto lease that’s affordable and perfect for your needs. Learn More

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Recreational Vehicle (RV) Loan

Finance up to 100% of a new or used RV, and get a loan term up to 240 months. Learn More

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Auto Loan Refinancing

Learn how refinancing your loan could save you money each month. Learn More

Buying A Vehicle Has Never Been Easier

Apply online, in person or at the dealership

Competitive rates

Flexible terms and 100% financing available

Easy pre-approval process

Mechanical Repair Insurance

Finance cars, trucks, RVs, boats and more

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New & Used Vehicles

Vehicle Loan

Take out a loan on a new or used vehicle with Directions, your trusted local source for auto, boat, and motorcycle loans made easy, fast, and affordable.

Along with competitive rates and unmatched service, Directions 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- or long-term, we strive to give you the best deal in town – for the vehicle you want.

Loans For The First-Time Auto Buyer

Let Directions Credit Union help you learn the value of establishing and maintaining good credit. Our First Auto Loan is designed for young adults borrowing for the first time, who may have little or no credit history. Earn a discounted loan rate by successfully completing our online course MoneyEd: Auto Loan Finance.

Break Up with Breakdowns

Life gets disrupted when your car breaks down. At best, it's an inconvenience that keeps you from what you want to be doing. At worst, you might have to drain your savings or even lose your car. That’s why we're offering mechanical repair coverage powered by ForeverCar at a special member rate. Plus, you can complete the entire process from getting a quote to paying with a credit card through ForeverCar.

Minimize the disruption of car repairs and get back to what really matters with ForeverCar mechanical repair coverage. Get a quote or call ForeverCar at (866)326-6379.

Get A Quote
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End of Lease Information

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

Auto Leasing

Through a partnership with Credit Union Leasing of America (CULA), the nation’s largest indirect credit union leasing program, Directions delivers customer-friendly, affordable lease programs.

When you secure a vehicle lease through Directions, you enjoy:

  • Lower monthly payments
  • Flexibility - build 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 requirement
  • Consumer-friendly lease-end options
  • Leasing options for both new and used vehicles
  • Gap insurance included
  • Up to $1,000 waiver for wear and tear

Participating Vehicle Lease Dealerships

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

See Lease Dealerships (PDF)
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Recreational Vehicle (RV) Loan

Directions Credit Union finances new and used RVs, including campers, travel trailers and motor homes. With our quick approvals and competitive rates and terms, you and your RV will be on the road in no time.

  • Finance up to 100% of purchase price
  • Repayment terms up to 240 months

Get your RV financed by Directions directly at the dealership

We have partnered with the following dealers:

  • All American Coach Co – Toledo, OH
  • General RV Center – North Canton, OH
  • General RV Center - Brownstown, MI
  • General RV Center – Mt. Clemens, MI

Have questions about RV loans? We’re ready to answer your questions.

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Auto Loan Refinancing

Don’t overpay into a costly auto loan when you could be saving money by refinancing. Directions has saved our members millions of dollars through cost-effective loan refinancing.

Contact us to see how much money we might be able to help you save by lowering your monthly car payment.

  • Contact Us
  • Apply Now

Do More With What You Have

You trust your credit union to offer products and services to help you do more with what you have. That's why we partner with the TruStage Auto & Home Insurance Program to provide discounted rates for credit union members. If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

See Special Rates
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