Auto & Recreational Vehicle Loans

Whatever moves you, we can help finance it.

Auto & Recreational Vehicle Loans

Whatever moves you, we can help finance it.

Finance a new or used vehicle 

with competitive rates and flexible terms.

Already have a loan somewhere else? 

Bring it over with a refinance.

Auto & Recreational Vehicle Loans

Whatever moves you, we can help finance it.

Put what’s next in drive.

A new commute. More room for the family. Something that makes the weekends a whole lot more fun. Whatever has you ready for a new set of wheels – or something that floats – Financial Center can help you finance the ride with competitive rates, flexible terms, and local people ready to help.

Auto Loans

For the commute, the carpool, and everywhere after.

New or used, practical or just plain fun to drive – finance your next car or truck with a loan built to fit your budget and where you’re headed.

With an Auto Loan, you can:

  • Choose flexible terms that work with your monthly budget
  • Get preapproved before you shop and know your rate and max loan amount
  • Finance vehicles from the past 10 model years

Recreational Vehicle Loans

Because not every ride is about getting to work.

Some vehicles are made for the commute. Others are made for getting as far away from it as possible. Finance the RV, boat, motorcycle, or off-road ride that puts a little more fun on the calendar.

With a Recreational Vehicle Loan, you can:

  • Finance an RV, ATV, boat, jet ski, motorcycle, or snowmobile
  • Get competitive rates with terms that fit your plans
  • Finance a new purchase or refinance an eligible loan

Know your numbers before you shop.

A preapproval gives you a clear idea of your rate and how much you can finance before you start test driving. It’s good for 30 days, giving you time to compare vehicles, shop with confidence, and focus on finding the right ride.

A little more for the road.

The financing is only part of owning a vehicle. Explore a few more ways Financial Center can help you shop, protect your ride, and prepare for what happens after you get the keys.

Guaranteed Asset Protection (GAP) Coverage

If your vehicle is totaled and your insurance payout is less than what you still owe, GAP may help reduce or eliminate the difference - and potentially reduce your out-of-pocket expense.

Mechanical Repair Coverage

Repairs rarely show up at a good time. Help protect your budget from the cost of eligible mechanical repairs after you drive off the lot.

Insurance Partners

New ride? Don’t forget the insurance part. Financial Center members can explore Auto Insurance options and available savings through our insurance partners.

Love the ride, but not the loan?

You don’t need a new vehicle to make a better move. Refinance an eligible Auto or Recreational Vehicle Loan from another lender with Financial Center for a competitive rate, the option to shorten your term, or even buy out your lease.

Why Financial Center?

The right ride is only half the decision. As your local credit union, we’ll help you feel just as good about the financing – with competitive rates, real people to help, and your financial well-being front-of-mind.

Real guidance
There’s a lot to think about before you grab the keys. We’ll help you understand your rate, term, payment, and options so you can head to the dealership knowing what works for your budget.
Competitive rates
A little percentage can make a big difference. Our competitive rates help keep more money in your budget for gas, maintenance, road trips, and everything else that comes with your vehicle loan.
Trusted advice
The car may change every few years. We’re here for the financial decisions that come before, during, and long after it. Find everyday direction in our Financial Wellness Hub or one-on-one guidance from our team of financial coaches.

Your financial playbook for real life.

Create a Budget

A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Learn tips on where to start and how to be fluid with changing priorities.

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Frequently asked questions

View All FAQs

Applying for an Auto or Recreational Vehicle Loan is simple. You can apply online or visit a Financial Center location. 

Most applications receive a decision within 1–2 business days. To help us process your application, you'll typically need information about the vehicle you're purchasing, your employment and income, and proof of insurance before your loan is finalized.

Once we receive your application, a Loan Specialist will review your application, answer your questions, and let you know if any additional information is needed to get you on the road soon.

We recommend it. Getting pre-approved before you shop for a vehicle helps you understand how much you can afford, estimate your monthly payment, and shop with confidence. It can also strengthen your negotiating power, whether you're buying from a dealership or a private seller.

Getting started is simple. You can apply online or visit a Financial Center location. 

If you apply online, one of our Loan Specialists will review your application, answer your questions, and let you know if any additional information is needed. Your preapproval is valid for 30 days, giving you time to compare vehicles and find the right one before finalizing your loan.

Managing your Auto or Recreational Vehicle Loan is easy with several convenient payment options. You can:

  • Set up recurring payments in Digital Banking
  • Make a one-time payment or transfer funds in Digital Banking
  • Visit a Financial Center location or shared branch
  • Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, refinancing, requesting a payoff amount, or have questions about your title, contact us for support.

New ride? Check one more thing off the list.

Getting behind the wheel is exciting. Protecting your new ride? Just as important. Explore coverage options to help keep your next adventure moving. 

All loans subject to credit approval. Subject to underwriting guidelines.