Vehicle Loans

Vehicle Loan

Interest Rates Certified by Datatrac
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.

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.

• Contact CULA
• End of Lease Informational Brochure
• Turn-in Checklist Form

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 $1,500 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)

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.

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.

*.25% discount available on auto loans with an application completed by August 30, 2018. Must be a member in good standing. All loans subject to approval. Eligibility is based on credit history and collateral. You must be at least 18 years of age and a U.S. citizen or permanent resident alien to qualify for this offer, unless otherwise specified. Loans are not made for business purposes. Your vehicle must be model year 2006 or newer with fewer than 100,000 miles. We do not make loans on cargo vans, flatbed or work trucks. Value of the vehicle will be based off NADA value and will be a stipulation for approval. A prepaid finance fee will apply.